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Your Trusted Mortgage Partner in Florence, Arizona
Welcome to Florence, Arizona's historic heart and the county seat of Pinal County. Founded in 1866, Florence blends Old West charm with modern affordability, making it an increasingly popular choice for homebuyers seeking character, value, and small-town atmosphere.
As your dedicated mortgage lender serving Florence and Pinal County, Todd Uzzell Home Loans understands the unique character of this historic community. Whether you're purchasing a Victorian-era home in the historic district, a newer property in a family neighborhood, or refinancing your current home, we provide financing solutions tailored to Florence's distinctive market.
🏛️ Florence Heritage: As one of Arizona's oldest communities and the Pinal County seat, Florence offers unique opportunities including historic home purchases, affordable new construction, and a tight-knit community atmosphere with modern conveniences.
The Florence, AZ Housing Market
Historic Community Overview
Florence, established in 1866, is one of Arizona's oldest communities and serves as the Pinal County seat. With approximately 25,000 residents, Florence offers a unique blend of historic architecture, affordable housing, and small-town charm just 60 miles southeast of Phoenix.
Victorian-era homes, McFarland State Historic Park, historic Main Street
Median home prices $200K-$300K, significantly below Phoenix metro
County seat with government services, 60 miles SE of Phoenix
Historic homes, established neighborhoods, new construction
Who's Moving to Florence?
👨👩👧👦 Growing Families
Young families seeking affordable housing, good schools, and safe neighborhoods with small-town values and community atmosphere.
🏛️ History Enthusiasts
Buyers drawn to Florence's historic architecture, preservation community, and Victorian-era homes with character and charm.
💼 Government Workers
County employees and professionals who work in Florence's government offices and want to live near their workplace.
🏗️ Value Seekers
Buyers who want more home for less money, moving from expensive metro areas to Florence's affordable housing market.
Why Florence Residents Choose Todd Uzzell Home Loans
Historic Property Expertise
Experienced financing Victorian-era homes and historic properties. We understand unique requirements for older homes.
Pinal County Specialists
Deep knowledge of Florence, Casa Grande, Coolidge, and all Pinal County communities and market conditions.
Affordable Programs
FHA loans with 3.5% down, VA loans with zero down, and first-time buyer programs for Florence's market.
Fast Processing
Pre-approval in 24 hours, efficient underwriting, and quick closings to help you secure your Florence home.
Personal Service
Direct access to experienced loan officers who know Florence and understand your unique financing needs.
Flexible Solutions
Creative financing for self-employed, unique credit situations, and non-traditional income sources.
In-House Processing
Control over the entire process with in-house underwriting for faster decisions and better communication.
Local Commitment
15+ years serving Arizona communities. We're invested in Florence's success and growth.
Mortgage Programs Available in Florence, AZ
Government-Backed Loans
Affordable financing backed by federal agencies, ideal for Florence's diverse housing stock.
3.5% Down Payment | Credit scores as low as 580 | Perfect for first-time buyers
FHA loans work great for Florence's historic homes and newer properties. Flexible credit requirements make homeownership accessible to more families.
0% Down Payment | No PMI required | For eligible veterans and active duty
Many Florence residents are veterans or military families. VA loans offer incredible benefits including zero down and no mortgage insurance.
0% Down Payment | Income limits apply | Some Florence areas qualify
Certain areas in and around Florence may qualify for USDA financing. We can verify eligibility for your specific address.
Conventional & Specialty Loans
Traditional financing and specialized programs for unique situations.
As low as 3% Down | Flexible terms | Competitive rates
Great for buyers with solid credit. Lower down payments and excellent rates available for qualified borrowers.
Purchase + Renovation | Single loan | Perfect for historic homes
Ideal for Florence's historic properties needing updates. Finance purchase and renovations in one loan with low down payment.
Lower Your Rate | Cash-out options | Streamline programs
Already own in Florence? Refinance to lower your rate, reduce payment, or access equity for home improvements.
Rental Property Financing | DSCR loans | Multiple properties
Florence's affordable prices attract real estate investors. We offer specialized investor financing programs.
Specialized Financing Solutions
Historic Homes
Financing for Victorian-era and historic properties with unique requirements
Self-Employed
Bank statement loans and alternative documentation for business owners
New Construction
Construction-to-permanent loans for building in Florence's growing areas
Credit Challenges
Solutions for borrowers with past credit issues or bankruptcy
What Florence Homebuyers Say About Us
"We bought a beautiful Victorian home in Florence's historic district. Todd understood the unique requirements for older homes and made the process smooth. We love our piece of Arizona history!"
— Patricia & James W., Historic District
"First-time buyers and couldn't afford Phoenix. Found an amazing home in Florence for half the price! Todd's team made the FHA process easy and we closed in 35 days."
— Michael & Jennifer R., First-Time Buyers
"Excellent service and really knows Pinal County! Got us a great rate and helped with some credit challenges. Florence is a perfect place to raise our family."
— David T., Florence Homeowner
Join hundreds of satisfied Florence homeowners who chose Todd Uzzell Home Loans
Our Simple 5-Step Mortgage Process
Getting approved for your Florence home loan is straightforward when you work with experienced professionals. Here's how we make it easy:
Apply
Quick online application takes 10-15 minutes. Apply anytime, anywhere.
Review
We review your documents and answer all your questions.
Pre-Approval
Get your pre-approval letter within 24-48 hours.
Find Your Home
Shop Florence knowing exactly what you can afford.
Close & Move In
Sign documents and get your keys to your Florence home!
Most mortgages close in 30-45 days from application to keys in hand.
Start Your Application Now →Qualifying for Your Florence Mortgage
Getting approved for a mortgage in Florence is accessible with today's diverse loan programs. Here's what you'll typically need:
📋 Basic Requirements
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✓
Valid ID & Social Security Number
Government-issued ID and SSN for credit check
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✓
Proof of Income
Pay stubs, W-2s, tax returns, or self-employment income
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✓
Credit Score (580+ for FHA)
Lower scores may qualify with compensating factors
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✓
Down Payment Funds
As low as 3.5% for FHA, 0% for VA/USDA eligible buyers
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✓
Employment Verification
2 years employment or income history
📄 Supporting Documentation
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•
Bank Statements
2-3 months recent statements for all accounts
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•
Asset Documentation
401(k), IRA, investment accounts, gift funds
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•
Debt Information
Current debts: car loans, student loans, credit cards
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•
Property Information
Purchase contract or current mortgage statement
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•
Additional Requirements for Historic Homes
Home inspection reports, preservation requirements if applicable
💡 Florence Homebuyer Advantage
Florence's affordable home prices (median $200K-$300K) make qualifying easier than in metro Phoenix:
- • Lower down payment in dollars: 3.5% of $250K = $8,750 (vs. $21,000 on a $600K Phoenix home)
- • Lower monthly payments: More buyers qualify with standard income levels
- • Historic character: Victorian homes and older properties often cost less but offer unique charm
- • FHA 203(k) option: Buy and renovate historic properties with one loan and low down payment
Not sure if you qualify? Let's talk! Many buyers are surprised to learn they're eligible.
Frequently Asked Questions About Florence Mortgages
Q: What is the average home price in Florence, AZ?
A: Florence offers affordable housing with median home prices typically ranging from $200,000 to $300,000, depending on the neighborhood and property type.
- • Historic district homes: $180K-$350K (Victorian-era character)
- • Established neighborhoods: $220K-$280K
- • New construction: $250K-$350K
- • Entry-level homes: $180K-$230K
Q: Can I get a mortgage for a historic home in Florence?
A: Absolutely! Florence's Victorian-era homes and historic properties are very popular, and we have extensive experience financing older homes. Options include:
- • FHA 203(k) Renovation Loans: Purchase and renovate with one loan, 3.5% down
- • Conventional Loans: For historic homes in good condition
- • VA Loans: Available for eligible veterans purchasing historic properties
Historic homes may require special inspections, but we guide you through the entire process.
Q: Do USDA loans work in Florence?
A: Some areas of Florence and surrounding Pinal County may qualify for USDA Rural Housing loans, which offer zero down payment financing. USDA eligibility depends on property location and household income.
We can verify USDA eligibility for your specific address during your application. Florence's location makes certain areas eligible for this valuable program.
Q: Why are people moving to Florence?
A: Florence is attracting buyers for several compelling reasons:
- • Affordability: Significantly lower prices than Phoenix metro (30-50% less)
- • Historic Character: Victorian architecture, McFarland State Historic Park, charming Main Street
- • Small-town Living: Safe, friendly community with low traffic and genuine small-town atmosphere
- • County Seat: Government services, stable employment, established community infrastructure
- • Location: 60 miles from Phoenix, providing metro access while maintaining affordable living
Q: How long does it take to close on a home in Florence?
A: Most mortgages close within 30-45 days from contract acceptance. Timeline factors include:
- • Loan type (FHA/VA may take slightly longer than conventional)
- • Property appraisal and condition (historic homes may need more thorough inspection)
- • Documentation completeness
- • Underwriting complexity
Florence's market is generally less competitive than Phoenix, allowing for smoother transactions and sometimes faster closings.
Q: What's special about Florence's historic district?
A: Florence's historic district is one of Arizona's most significant historic areas, featuring:
- • Victorian Architecture: Authentic late 1800s and early 1900s homes with unique character
- • McFarland State Historic Park: Preserving Florence's history and heritage
- • Historic Main Street: Original downtown with preserved buildings and local businesses
- • Active Preservation Community: Residents passionate about maintaining historic character
Many historic homes have been lovingly restored while others offer opportunities for buyers to renovate. FHA 203(k) loans are perfect for these properties.
Q: What's the commute from Florence to Phoenix or Tucson?
A: Florence is well-positioned in Pinal County:
- • To Phoenix: About 60 miles northwest, roughly 1 hour via US-60 or AZ-79
- • To Tucson: About 70 miles southeast, roughly 1 hour 15 minutes via I-10
- • To Casa Grande: 15 miles west, 15-20 minutes
- • To Coolidge: 15 miles northwest, 15-20 minutes
Many Florence residents commute for work, enjoying the housing savings that offset commuting costs. Others work locally in government, education, or corrections.
Q: Can I get pre-approved before I start house hunting?
A: Absolutely, and we strongly recommend it! Pre-approval offers major advantages:
- • Know your exact budget before shopping Florence's market
- • Stronger negotiating position with sellers
- • Faster closing once you find your home
- • Identify any credit or documentation issues early
- • Shows sellers you're a serious, qualified buyer
We typically provide pre-approval within 24-48 hours. Apply now or call us at 480-330-1724.
Why People Love Living in Florence
Florence offers a unique combination of historic character, affordability, and small-town charm that's attracting diverse groups of homebuyers.
Historic Heritage
Founded in 1866, Florence is one of Arizona's oldest communities. Victorian architecture, McFarland State Historic Park, and preserved downtown create unique living experience.
Exceptional Value
Home prices 30-50% below Phoenix metro. Lower property taxes and cost of living allow your housing dollar to go much further.
County Seat
As Pinal County's seat of government, Florence offers stable employment, government services, courts, and administrative offices.
Small-Town Community
Friendly neighbors, low crime, active community involvement, and genuine small-town atmosphere where people know each other.
Strategic Location
60 miles from Phoenix, 70 miles from Tucson. Access to metro amenities while enjoying affordable rural living and open spaces.
Good Schools
Florence Unified School District serves local families with quality education in a close-knit community setting.
Desert Climate
300+ days of sunshine, mild winters, and classic Arizona desert landscape. Outdoor activities year-round without urban heat island effects.
Growing Community
Steady growth with new construction and improvements while maintaining historic character and small-town feel.
Helpful Mortgage Resources & Guides
Learn more about home financing with these expert articles and guides:
Getting Started
Loan Programs
Refinancing
Serving All Pinal County Communities
We also provide expert mortgage services to nearby Pinal County communities:
Ready to Call Florence Home?
Get pre-approved today and discover historic Arizona living with modern affordability
Join hundreds of satisfied Florence homeowners who chose Todd Uzzell Home Loans
📞 Call or Text: 480-330-1724
✉️ Email: [email protected]
Monday-Friday: 8am-6pm MST | Saturday: 9am-2pm MST | Sunday: By Appointment
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