Mortgage Broker Serving Yuma, Arizona
Home financing built for Yuma, not just Arizona
From site-built homes to manufactured and park-model properties, we connect Yuma-area borrowers with a network of independent licensed lending partners who understand this market's military, agricultural, and border-region realities.
Sunniest Place on Earth
Guinness World Records — Yuma averages more annual hours of sunshine than any other city on the planet.
MCAS Yuma & Yuma Proving Ground
Two major military installations anchor the local economy and shape how PCS-timeline home financing works here.
Winter Produce Capital
Yuma County's agricultural economy and rural geography open the door to USDA-eligible financing many buyers overlook.
Colorado River Border Region
A tri-border location with a housing stock — and a lending landscape — unlike anywhere else in Arizona.
Loan Programs
Seven ways to finance a home in Yuma
Whether you're buying, refinancing, or financing a manufactured home, there's a program suited to where you are.
Purchase Loans
Financing to buy a home in Yuma and Yuma County
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Refinance
Lower your rate, change your term, or tap your equity
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Manufactured & Modular Homes
Financing built for Yuma's manufactured, modular, and park-model housing stock
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First-Time Buyer
Down payment assistance and low-down-payment programs for Yuma buyers
Learn moreVA Loans
$0-down financing for eligible military borrowers
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USDA Rural Loans
$0-down financing for eligible rural and agricultural-area properties
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Snowbird / Second Home
Financing for seasonal residents and winter-visitor homes
Learn moreWhy Yuma Is Different
A border-region, military, and agricultural market — not a Phoenix suburb
Yuma isn't a generic Arizona market. It's a Colorado River border city with some of the sunniest weather on Earth, a winter economy built on lettuce and produce farming, two major military installations, and a huge seasonal snowbird population that lives in manufactured-home and park-model communities much of the year. Lending guidelines written for a typical suburban subdivision often don't map cleanly onto this mix.
- Military families relocating for MCAS Yuma or Yuma Proving Ground need PCS-timeline-aware closings and VA loan familiarity
- Yuma County's rural, agricultural geography opens the door to USDA-eligible financing in areas many buyers assume don't qualify
- A large manufactured, modular, and park-model housing stock requires lending partners who actually finance these property types
- A big seasonal snowbird population needs second-home and manufactured-home financing built around part-time occupancy
How It Works
From inquiry to closing
Tell us about your loan
Purchase, refinance, or a specific program like VA or manufactured home financing.
We shop your options
Your details go out across our network of independent lending partners.
Get matched with a lender
You're connected with a licensed lending partner suited to your situation.
Close on your Yuma home
Rates, terms, and approval are set solely by the lender you're matched with.
About Us
A financing resource built around Yuma, operated by Contractors Choice Agency
Yuma Mortgages exists to connect local borrowers with lending partners who understand this specific market — its military installations, its agricultural economy, its snowbird season, and its manufactured-home housing stock — instead of treating Yuma like any other Arizona ZIP code.
More about our approachYuma Mortgage Guides
Read our Yuma mortgage guides
In-depth guides on VA loans, manufactured home financing, USDA eligibility, and more — written specifically for Yuma and Yuma County buyers.
Visit the blogQuestions
Frequently asked questions
Is Yuma Mortgages a lender?
No. Yuma Mortgages is a marketing website operated by Contractors Choice Agency. We connect Yuma-area borrowers with a network of independent licensed lending partners — we do not underwrite, approve, fund, or service loans ourselves.
What makes Yuma's mortgage market different from Phoenix or Tucson?
Yuma combines a large manufactured/modular and park-model housing stock, a sizable seasonal snowbird population, two major military installations (MCAS Yuma and Yuma Proving Ground), and a genuinely rural, agricultural county with USDA-eligible areas close to the city. Very few lenders build their process around all four of those realities at once — we work with a network that does.
Can you help with financing for a manufactured or park-model home?
Yes. Yuma has one of Arizona's largest concentrations of manufactured, modular, and park-model homes, and we connect borrowers with lending partners experienced in land-and-home and chattel (home-only) financing for these property types. See our Manufactured & Modular Home Financing page for details.
Do you work with military families relocating to MCAS Yuma or Yuma Proving Ground?
Yes. We regularly connect active-duty, veteran, and eligible military family borrowers with lending partners offering VA loan programs and PCS-timeline-aware closings.
What areas do you serve?
We connect borrowers throughout Yuma and Yuma County, including Fortuna Foothills, Somerton, San Luis, Wellton, and the surrounding agricultural areas.
Ready to see your Yuma financing options?
Tell us about your loan and we'll connect you with a licensed lending partner suited to your situation.
Not a lender. Contractors Choice Agency connects Yuma-area borrowers with independent licensed lending partners. Equal Housing Opportunity. Terms and rates set solely by participating lenders.