Mortgage Lender Coconino County AZ | Todd Uzzell NMLS #1525192

$325K–$900K+

Range by community

Varies by community

School district

Conventional · FHA · VA

Common loan types

About Coconino County

Coconino County covers much of northern Arizona, from Flagstaff and the San Francisco Peaks to Williams, Page and Tusayan at the Grand Canyon, plus mountain communities such as Munds Park, Kachina Village, Forest Lakes and Doney Park.

Prices vary by town. Recent figures put Page and Williams in the mid-$300Ks to mid-$400Ks, Flagstaff roughly in the mid-$600Ks to $700Ks, and luxury areas such as Oak Creek Canyon around $900K and up. Countywide, the median sale price has recently been in the mid-$700Ks. These numbers change monthly, so location usually decides which loan program fits.

Living in Coconino County

Schools: Coconino County is served by many districts, including Flagstaff Unified, Williams Unified and Page Unified. Confirm the assigned schools for a specific address.

Employers & Commute: Northern Arizona University, healthcare, government, and tourism around the Grand Canyon and Lake Powell are major employers. Rural and mountain addresses can mean longer drives to town.

Home Type: Town and suburban homes, mountain cabins, rural acreage and second homes.

Best-Fit Loan Programs for Coconino County Buyers

Conventional loan

3–20% down · competitive rates · fixed or adjustable

FHA loan

3.5% down · lower credit requirements · popular first-time

VA loan

$0 down for eligible veterans · no mortgage insurance

USDA loan

$0 down · eligible rural addresses only · income limits apply

Jumbo loan

For homes above the $832,750 conforming limit · luxury and some mountain homes

Local Flavor

Region

Ponderosa pine forests, the San Francisco Peaks, Grand Canyon gateway towns and Lake Powell recreation, with four seasons in the high country.

Market

Recent data shows more homes for sale and more price reductions than in prior years, which gives buyers more room to negotiate. Confirm current numbers with a local agent before you offer.

Frequently Asked Questions

Which loan types work in rural parts of Coconino County?

Conventional, FHA, VA and USDA loans are all possible depending on the property. USDA eligibility depends on the address, and wells, septic systems and road access can affect underwriting and appraisals.

Can I get a mortgage for a second home or cabin?

Yes. Second-home loans usually require at least 10% down and a property you will use yourself rather than rent full time. Investment property loans have different rules.

Is wildfire insurance a concern?

It can be. After fires such as the 2022 Tunnel Fire near Flagstaff, insurers tightened underwriting for some forested areas. Get an insurance quote before you write an offer, because your lender will require coverage.

Do short-term rental rules affect my purchase?

They can. Flagstaff and Williams have short-term rental rules, and they vary by jurisdiction. Confirm the rules before you buy a property you plan to rent, and tell us early because lenders treat rental income differently.

Will I need a jumbo loan in Coconino County?

Most of the county falls under the $832,750 conforming limit. Luxury areas and some Flagstaff mountain homes exceed it.