Arizona’s large retiree population makes reverse mortgages common here, and the state’s property tax rules can help older homeowners keep costs steady.
What is different in Arizona
- The FHA reverse mortgage (HECM) limit is $1,249,125 in 2026, the same nationwide.
- Arizona’s Senior Property Valuation Protection Option can freeze the taxable value of a primary home for owners 65 and older under an income limit.
- Manufactured homes on owned land can qualify for a HECM if they meet FHA’s rules, which matters in Arizona’s retirement communities.
- Age-restricted communities and HOA dues count in the reverse mortgage’s financial assessment.
Questions
Can I get a reverse mortgage in Arizona?
Yes. FHA-insured reverse mortgages are available statewide for homeowners 62 and older who live in the home. See also: Reverse mortgages.
Can I get a reverse mortgage on a manufactured home in Arizona?
Yes, if it was built after June 1976, is on a permanent foundation on land you own and is titled as real property. See also: Reverse mortgages.
Does a reverse mortgage affect my Arizona senior valuation freeze?
No. The freeze depends on your age, income and residence, not on your mortgage. See also: Reverse mortgages in Florida.
Related
Reverse mortgages in other states: California, Florida, Ohio. All of Arizona: mortgage loans in Arizona.
