Your Trusted Mortgage Lender in Benson, AZ
Todd Uzzell Home Loans proudly serves Benson and the surrounding Cochise County communities with comprehensive mortgage solutions. Whether you're buying your first home near historic downtown Benson or refinancing a property in the San Pedro Valley, our local expertise ensures you get the best financing options available.
With over 15 years of experience in Arizona mortgage lending, we understand the unique housing market in Benson, from the historic neighborhoods around Fourth Street to the newer developments on the town's eastern edge.
📞 Call us today: 480-330-1724
📧 Email: [email protected]
Why Benson Residents Choose Todd Uzzell Home Loans
Local Market Knowledge
Deep understanding of Benson's housing market, property values, and neighborhood trends
Fast Approvals
In-house underwriting means quicker decisions and faster closings for Benson homebuyers
Competitive Rates
Low fees and competitive interest rates designed for Arizona homeowners
Personalized Service
One-on-one guidance from application through closing
Multiple Loan Options
FHA, VA, USDA, conventional, and specialized programs for every situation
Credit Flexibility
Solutions for first-time buyers, credit-challenged, and self-employed borrowers
Benson, AZ Housing Market
Benson is a charming small town in southeastern Arizona with a population of approximately 5,000 residents. Located along Interstate 10, Benson offers affordable housing options and a relaxed rural lifestyle while remaining accessible to larger cities like Tucson (45 minutes west).
~5,000
Population
Affordable
Median Home Prices
Rural
Small-Town Living
Home Loan Programs for Benson Buyers
FHA Loans
Low down payment options, ideal for first-time Benson buyers
VA Loans
Zero down for veterans and active military at Fort Huachuca
USDA Loans
Zero down for qualified rural properties in Benson area
Conventional Loans
Competitive rates for buyers with good credit
Refinancing
Lower your rate or tap into your home's equity
Jumbo Loans
Financing for higher-value properties
Investment Loans
Rental property financing in Cochise County
First-Time Buyer
Special programs with down payment assistance
Popular Benson Neighborhoods & Areas
Historic Downtown Benson
Charming older homes near Fourth Street with easy access to local shops and restaurants.
✓ Historic character ✓ Walkable ✓ Affordable
East Benson Development
Newer subdivisions with modern amenities and larger lots.
✓ New construction ✓ Larger lots ✓ Family-friendly
Rural Properties
Acreage and ranch properties in the San Pedro Valley surrounding Benson.
✓ Privacy ✓ Land ✓ USDA eligible
Near I-10 Corridor
Convenient access to interstate for commuters to Tucson or Willcox.
✓ Convenient ✓ Commuter-friendly ✓ Growing
How to Qualify for a Mortgage in Benson, AZ
Getting approved for a home loan in Benson is easier than you think. Here's what you'll typically need:
Basic Requirements
- ✓ Credit Score: 580+ for FHA, 620+ for conventional (we have options for lower scores)
- ✓ Down Payment: As low as 0% (VA/USDA) or 3.5% (FHA)
- ✓ Employment: 2 years of steady employment or income
- ✓ Debt-to-Income: Typically under 50%
Required Documents
- ✓ Last 2 years of tax returns
- ✓ Recent pay stubs (past 30 days)
- ✓ Bank statements (2-3 months)
- ✓ Photo ID and Social Security card
- ✓ Proof of any additional income
Special Programs Available: Credit-challenged, self-employed, bank statement loans, and first-time buyer assistance programs.
Driving Directions from Benson Landmarks
Get directions to our office from popular Benson locations:
Serving Cochise County Communities
We also provide mortgage services to nearby Arizona communities:
Helpful Mortgage Resources
Ready to Buy or Refinance in Benson, AZ?
Let's make your homeownership dreams a reality. Our Benson mortgage experts are here to help.