Your Trusted Taylor & White Mountains Mortgage Lender
Welcome to Todd Uzzell Home Loans, your local mortgage expert serving Taylor and the White Mountains region of northeastern Arizona. Whether you're purchasing an affordable home in this rural community, building on land, or refinancing, we provide personalized service with competitive rates.
Taylor is a small, family-oriented town in the White Mountains with Mormon pioneer heritage dating to 1878. Known for its rural character, affordable living, four-season climate, and close-knit community, Taylor offers authentic small-town Arizona living.
📞 Call us today: 480-330-1724
📧 Email: [email protected]
About Taylor, Arizona
Small White Mountains Community
Taylor is a small, rural town in Navajo County with strong Mormon pioneer heritage. Founded in 1878, Taylor is part of the Snowflake-Taylor area in Arizona's scenic White Mountains region. The community offers affordable living, rural character, and a family-friendly atmosphere with cooler mountain climate.
- 👥 Population: ~4,000-5,000 residents
- 📍 Location: Navajo County, northeastern Arizona
- 🏔️ Elevation: ~5,600 feet (cooler mountain climate)
- 🏛️ Heritage: Mormon pioneer settlement since 1878
- 🌲 Setting: White Mountains region, rural character
- 📏 From Phoenix: 180 miles (3+ hours via I-17 and AZ-277)
Why Buy in Taylor?
- 💰 Very Affordable: Low cost of living and home prices
- 🌲 Four-Season Climate: Cooler temps, distinct seasons, snow in winter
- 👨👩👧👦 Family-Friendly: Small-town values, safe community
- 🏡 Rural Character: Agricultural heritage, open spaces
- 🏛️ Pioneer Heritage: Rich history since 1878
- 🏫 Schools: Taylor Unified School District
- 🌄 White Mountains: Beautiful scenery, outdoor recreation
- 🤝 Close-Knit: Strong community connections
🏡 USDA Loans - Perfect for Rural Taylor!
Taylor qualifies for USDA Rural Development loans with 100% financing - no down payment required!
$0 Down Payment
100% financing available for eligible rural properties!
Rural Community
Taylor qualifies as USDA rural eligible area.
Income Limits
Most moderate-income families qualify easily.
Affordable Rates
Competitive rates for rural homebuyers.
Taylor Housing Market Insights
$180K - $350K
Typical Property Price Range
Very Affordable
Low Cost of Living
Rural Character
Small-Town Living
Property Types in Taylor
🏠 Single-Family Homes
Price Range: $180,000 - $300,000
3-5 bedroom family homes, established neighborhoods, yards and space.
🏡 Acreage Properties
Price Range: $220,000 - $380,000
Homes on 1-5+ acres, rural lifestyle, room for animals and gardens.
🏗️ Newer Construction
Price Range: $250,000 - $350,000
Modern homes built in recent years, updated features and energy efficiency.
🌾 Ranch Properties
Price Range: $250,000 - $400,000+
Larger acreage, agricultural use, horses and livestock allowed.
📍 Buildable Lots
Price Range: Varies by size/location
Raw land for custom building, build your dream home.
🏚️ Fixer-Uppers
Price Range: $150,000 - $220,000
Older homes needing updates, good value opportunities.
🌟 Market Highlights:
Taylor offers extremely affordable housing compared to Phoenix and even most of Arizona. Properties often include larger lots and acreage. The rural character means more space, peace, and privacy. USDA loans with zero down payment make homeownership very accessible here!
🏛️ Mormon Pioneer Heritage Since 1878
Taylor was founded in 1878 by Mormon pioneers and named after John Taylor, third president of the LDS Church. The town retains its pioneer heritage with historic buildings, strong community values, and family-oriented culture.
Founded 1878
Mormon pioneer settlement, rich history
Historic Buildings
Pioneer-era structures still standing
Family Values
Strong community and family focus
Agricultural Roots
Farming and ranching heritage
Mortgage Programs for Taylor Properties
We offer loan programs perfectly suited to Taylor's rural character and affordable housing market:
USDA Rural Development Loans
The #1 choice for Taylor! 100% financing with no down payment for this rural community.
- • $0 down payment (100% financing)
- • Taylor qualifies as rural eligible
- • Income limits apply (most families qualify)
- • Competitive rates and low monthly payments
Conventional Loans
Traditional financing with flexible down payments for Taylor's affordable market.
- • Down payments from 3-5% (first-time buyers)
- • 10-20% down for standard conventional
- • No mortgage insurance at 20% down
- • Good for properties on larger acreage
FHA Loans
Excellent for first-time buyers in Taylor - just 3.5% down payment!
- • Just 3.5% down payment
- • Credit scores from 580+
- • Perfect for first-time homebuyers
- • FHA 203(k) for homes needing updates
VA Loans
Outstanding benefits for veterans moving to Taylor's peaceful rural community.
- • No down payment required
- • No mortgage insurance
- • For eligible veterans and servicemembers
- • Competitive rates for rural areas
Construction Loans
Build your dream home on Taylor's affordable land with construction financing.
- • Finance land purchase and building
- • Construction-to-permanent loans
- • Single-close convenience
- • Build custom on acreage
Land Loans
Finance raw land or acreage for building your future Taylor home.
- • Purchase buildable lots
- • Acreage financing
- • Rural land specialists
- • Plan for future construction
Special Considerations for Taylor Properties
🌾 Rural Properties
Many Taylor properties include acreage. USDA loans are perfect for rural homes, and conventional loans work well for larger acreage properties that may not qualify for USDA.
💧 Wells & Septic
Some Taylor properties use well water and septic systems rather than city utilities. We ensure proper inspections and certifications are completed for financing approval.
🌡️ Four-Season Climate
At 5,600 feet elevation, Taylor experiences all four seasons with winter snow. Properties should have adequate heating systems, which we verify during the appraisal process.
📍 Rural Appraisals
In small rural towns like Taylor, finding comparable sales can be challenging. We work with appraisers experienced in Navajo County rural markets to ensure accurate valuations.
Why Choose Todd Uzzell Home Loans for Your Taylor Purchase?
Rural Property Experts
Extensive experience with rural properties, acreage, wells, septic systems, and USDA loans.
USDA Loan Specialists
Expert guidance on USDA Rural Development loans with 100% financing - no down payment!
White Mountains Knowledge
Understanding of Taylor, Snowflake, and White Mountains rural market dynamics.
Living in Taylor, Arizona
Community & Attractions
- 🏛️ Pioneer Heritage: Historic sites, museums, cultural events
- 🌲 White Mountains: Nearby outdoor recreation opportunities
- 🏫 Schools: Taylor Unified School District, small class sizes
- 🎪 Events: Local rodeos, community celebrations, county fair
- 🌾 Agriculture: Farming, ranching, 4-H, FFA programs
- ⛪ Faith: Active LDS community, other churches
Rural Living Benefits
- 🌄 Open Space: Acreage, room to breathe, privacy
- 🐴 Animals: Horses, livestock, chickens allowed on many properties
- 🏡 Affordability: Low cost of living, affordable homes
- 🤝 Community: Everyone knows everyone, safe and friendly
- 🌡️ Climate: Four seasons, cooler than Phoenix, winter snow
- ⭐ Dark Skies: Beautiful stargazing, minimal light pollution
We Also Serve Nearby White Mountains Communities
Getting to Taylor
Taylor is located in the White Mountains region of northeastern Arizona:
- 📍 From Phoenix: 180 miles (approximately 3 hours via I-17 north and AZ-277)
- 📍 From Flagstaff: 125 miles (2 hours via I-40 east and US-77 south)
- 📍 From Snowflake: Adjacent city (5 minutes)
- 📍 From Show Low: 35 miles (40 minutes)
- 📍 From Holbrook: 30 miles (30 minutes south)
- 🛣️ Main Routes: AZ-277, AZ-77, US-180
Directions to Our Phoenix Office
We serve Taylor remotely, or visit us in Phoenix (3 hours away):
Ready to Buy Your Taylor Home?
Let's discuss USDA loans, conventional financing, and rural property options perfect for Taylor's affordable market!
Taylor Mortgage FAQs
Does Taylor qualify for USDA loans?
Yes! Taylor qualifies as a USDA rural eligible area, which means you can buy with 100% financing and no down payment if you meet income limits. Most moderate-income families qualify easily for USDA loans in Taylor.
What's the price range for homes in Taylor?
Most Taylor homes range from $180,000 to $350,000. Single-family homes on standard lots typically range $180K-$280K, while properties with acreage run $220K-$380K. Taylor is very affordable compared to Phoenix and most of Arizona.
Can I have horses or livestock on my Taylor property?
Yes! Many Taylor properties are on acreage that allows horses, livestock, and other animals. This is part of Taylor's rural agricultural character. We can help you find financing for properties with this lifestyle.
What's it like living in Taylor?
Taylor is a small, quiet, family-oriented town with Mormon pioneer heritage. It offers rural living with four-season climate, affordable homes, open space, strong community values, and a safe environment. It's perfect for those seeking small-town Arizona living away from the big city.
How do I finance a property with a well and septic system?
Properties with wells and septic systems are common in rural Taylor. We ensure proper inspections and certifications are completed: well water testing, septic inspection, and adequate documentation. Most loan programs accept properties with wells and septic when properly maintained.
Visit Our Phoenix Office
Convenient to Taylor residents - we serve you remotely or you can visit our Phoenix office: