Payson Homes with VA Loan New Financing

Payson Homes with VA Loan New Financing

Welcome to Payson, a charming town nestled in the heart of Gila County, Arizona. Known for its stunning natural beauty and small-town charm, Payson offers a peaceful retreat for those looking to escape the hustle and bustle of city life.

If you're considering making Payson your home, you'll be pleased to know that there are plenty of housing options available, including homes eligible for VA loans. With VA loan financing, qualifying veterans and active-duty military members can take advantage of special loan terms and benefits to make purchasing a home in Payson more affordable.

Whether you're looking for a cozy cabin in the woods, a modern townhouse, or a spacious family home, Payson has something for everyone. Imagine waking up to the sound of birds chirping and the fresh mountain air filling your lungs – that's the kind of lifestyle you can enjoy in Payson.

In addition to its natural beauty, Payson offers a range of outdoor activities for nature lovers, including hiking, fishing, and camping. The town also boasts a vibrant arts and culture scene, with galleries, shops, and restaurants to explore.

If you're ready to make Payson your home, let us help you find the perfect property to suit your needs. Contact us today to learn more about homes with VA loan financing in Payson and start your journey to homeownership in this idyllic town.

Newest Payson Homes with VA Loan New Financing

$575,000
3 Beds ⋅ 2 Baths ⋅ 7076830 MLS ⋅ 1,824 SqFt.
Rare opportunity to own an incredible three-lot property with breathtaking views with a main home and a guest retreat studio in one of the area's most desirable neighborhoods! This unique property offers space, flexibility, and an amazing mountain lifestyle, all while being surrounded by the beauty of the East Verde River community. The main home, 1164 sqft, features 3 bedrooms and 1 bathroom, with a beautifully updated kitchen showcasing new granite countertops, a gas range, kitchen island, and plenty of workspace. Step outside onto the covered deck and take in the spectacular views -- the perfect place to enjoy your morning coffee or relax in the evening. The second building is a 660 sqft studio, no kitchen, with its own bathroom, clawfoot tub, walk-in closet, and covered deck. Whether you're looking for a full-time residence, multi-generational setup, guest accommodations, or a peaceful getaway, this property offers an exceptional combination of homes, land, views, and lifestyle.

1194 W Beaver Flat Road, Payson
$1,699,000
4 Beds ⋅ 5 Baths ⋅ 7075642 MLS ⋅ 4,520 SqFt.
Mountain luxury meets golf-course living in the prestigious, gated Chaparral Pines. Enter through the 24/7 guarded gates and wind through the towering Ponderosa pines to this beautifully appointed 4-bedroom, 5-bath home overlooking the 12th fairway of the private Golf Club at Chaparral Pines. Offering over 4,500 square feet on a 0.39-acre golf-course lot, the home features gorgeous walnut floors, tall ceilings, custom shutters throughout and expansive wraparound patios on both the main and lower levels. The gourmet kitchen showcases custom cabinetry, Carrera marble countertops, Wolf gas stove and microwave, Sub-Zero fridge, and a walk-in pantry with a coffee bar, wine refrigerator, and abundant storage. The main level includes a luxurious primary suite with a large walk-in closet and spa-like bath with a jetted soaking tub, separate shower, and dual vanities. A second ensuite bedroom, powder room, laundry room, and an enclosed heated Arizona room complete the main level. The upstairs suite is home to the 3rd bedroom, bathroom, and private patio. Downstairs boasts stained concrete flooring throughout and offers incredible flexibility. Enjoy a large entertainment area with a built-in media center, kitchenette, private laundry, and two additional rooms with a second kitchenette of their own, all opening to a patio overlooking the golf course. Recent 2026 updates include a brand-new roof, fresh exterior and deck paint, and a Tesla EV charger installed in the garage. Only 90 minutes from the valley, enjoy this refreshing mountain climate, typically 20-25 degrees cooler. Chaparral Pines offers an award-winning private 18-hole championship golf course, an 8-acre recreation complex with a fitness center, heated pool and spa, tennis, pickleball & basketball, miles of private hiking trails, an on-site lake & guarded entry. Golf and sports memberships are available separately. Come experience the privacy, beauty, and exceptional lifestyle of Chaparral Pines!

2201 E Grapevine Drive, Payson
$378,000
2 Beds ⋅ 3 Baths ⋅ 7073605 MLS ⋅ 1,436 SqFt.
Majestic Views & Mountain Living at Mountain View Manor! Enjoy breathtaking views overlooking beautiful Green Valley Park from this well-appointed 2-bedroom, 3-bathroom condo. Featuring two spacious master suites, this home offers comfort and flexibility for full-time living or a mountain getaway. The inviting living room features a gas fireplace, creating a warm and cozy atmosphere, while beautiful wood flooring adds timeless character throughout. Step outside onto the deck and take in the stunning park and mountain views--perfect for morning coffee or evening relaxation. A 2-car garage provides plenty of space for vehicles and storage. Located in the desirable Mountain View Manor, this condo offers the perfect combination of comfort, views, and convenient mountain living.

951 W Ensenada Lane, Payson
$559,900
3 Beds ⋅ 3 Baths ⋅ 7072524 MLS ⋅ 1,928 SqFt.
Pride of ownership in this spacious custom built home in the beautiful mountain community of Payson, AZ can now be yours! The main level features a bright and open living room, dining area, breakfast bar, kitchen, 1/2 bathroom, large main bedroom & main bathroom with dual vanity, soaking tub and shower and large laundry room with utility sink. The lower level has it's own exterior access, 2 bedrooms, full bathroom, family room, storage room and additional closet space. Both the main level and lower level have their own covered porch/deck areas. Views of the Mazatzals from the main level are awesome! Don't miss the large workshop/craft/storage room on the East side of the home! This is a great opportunity for a primary, second home! Close proximity to shopping, dining& park

206 N Stagecoach Pass, Payson
$299,000
3 Beds ⋅ 2 Baths ⋅ 7071657 MLS ⋅ 1,294 SqFt.
Move-in ready and full of potential, this single-level 3-bedroom, 1.5-bath home offers approximately 1,294 square feet of comfortable living space. The fully fenced yard provides privacy and security. Large shop/utility shed with electricity offers flexible space for storage, hobbies, projects, or other uses. A new split-system provides heating and cooling for the main living area. Whether you're looking for a first home, an investment opportunity, or a potential short-term rental, this property offers plenty of possibilities. Priced with some needed TLC in mind, it's a great opportunity to add your personal touches.

303 W Roundup Road, Payson
$425,000
2 Beds ⋅ 2 Baths ⋅ 7070722 MLS ⋅ 1,375 SqFt.
Welcome to this charming 2-bedroom, 2-bathroom home in Payson, Arizona! Featuring beautiful wood flooring throughout, this well-lit home offers a warm and inviting atmosphere. A dedicated laundry room adds convenience, while the attached 2-car garage provides ample parking and storage. Situated on a desirable corner lot, the property also features a fenced-in backyard--perfect for enjoying the outdoors, entertaining, or relaxing in your own private space. A wonderful opportunity to enjoy comfortable Mountain living, with mountain views.

1402 N Alpine Heights Drive, Payson
$4,500,000
7 Beds ⋅ 4 Baths ⋅ 7070441 MLS ⋅ 3,400 SqFt.
A truly rare opportunity to own a private, gated creekside retreat encompassing 4.58 acres of natural beauty, tranquility and historic Arizona charm. With approximately 400 feet of Tonto Creek frontage, this remarkable property offers the soothing sounds of the creek, a fishing pond, towering pines and thoughtfully designed gathering spaces throughout. Total square footage, bedrooms and bathrooms shown in the listing include both the main and guest cabins. The 1,800+ square-foot main cabin features 4 bedrooms, 2 bathrooms, a spacious kitchen with granite countertops and breakfast bar, and an inviting living area centered around a natural-stone fireplace. French doors open to a sunroom overlooking the pond and peaceful wooded surroundings. The separate guest cabin provides approximately 1,600 square feet with 3 bedrooms, 2 bathrooms, a large kitchen, fireplace, pellet stove, spacious family room, two separate entrances and two private patios--ideal for guests, extended stays or a variety of other possibilities. A historic barn adds distinctive character and offers flexible space for gatherings and events, complemented by an outdoor BBQ area and large ramada. Additional improvements include a detached two-car garage with an attached workshop and storage area, plus a separate additional building. Outdoor amenities include a covered pavilion and patios, hot tub, sauna, an expansive newer deck overlooking the creek, and a gas fire pit within a built-in creekside gathering area. Whether envisioned as a private retreat, multigenerational property or an extraordinary setting with future possibilities, this one-of-a-kind creekfront offering would be difficult to duplicate. Zoned General Use (GU) and Agricultural, with documented Tonto Creek water rights. Buyer to independently verify permitted uses, square footage and all facts material to the buyer. Experience this remarkable slice of heaven on earth.

2097 N Fsr 289 --, Payson
$400,000
3 Beds ⋅ 2 Baths ⋅ 7069169 MLS ⋅ 1,358 SqFt.
There's a lot to love about this comfortable Payson home! Featuring 3 bedrooms, 2 bathrooms, and approximately 1,407 sq. ft., the split floor plan offers privacy and a practical layout for everyday living. The .18-acre property includes a 2-car garage and RV parking, providing valuable extra space for vehicles, toys, or weekend adventures. Located in Trailwood, you'll enjoy the convenience of being close to town while having easy access to the outdoor recreation that makes Payson such a special place. Perfect as a primary residence or mountain retreat.

312 N Pioneer Trail, Payson
$1,200,000
3 Beds ⋅ 3 Baths ⋅ 7067868 MLS ⋅ 2,717 SqFt.
Welcome to this exceptional mountain retreat in the prestigious gated community of Whisper Ridge. This beautifully crafted custom home offers 3 bedrooms, 2.5 bathrooms, and 2,717 +/- sq. ft. on a private 0.40-acre landscaped homesite with breathtaking views and exceptional privacy. No detail was overlooked. Designed with quality and elegance throughout this home features upgraded Jeld-Wen windows, heavy-gauge metal roof, central vacuum, custom beveled hickory flooring, alder cabinetry, upgraded lighting, and designer finishes. The large gourmet chef's kitchen is perfect for entertaining family and friends. Showcasing a 36' Viking refrigerator and 36'' Viking freezer, built in oven and microwave, gas cooktop, warming drawer, beverage cooler, built-in ice maker and reverse osmosis system, and a spacious center island with abundant storage. Plenty of room for seating with a large dining area and corner banco seating with a gas fireplace built in to custom cabinetry. The luxurious primary suite offers private deck access and a spa-inspired bath featuring a Jetta soaking tub, two-way electric fireplace, oversized walk-in shower, and custom walk-in closet with built-in dresser, shoe and linen storage. Enjoy Arizona mountain living with an outdoor deck, stunning views, and a cozy fire pit with banco seating--perfect for relaxing or entertaining. Additional features include an oversized 2 1/2 car garage with built-in cabinets and work benches plus an unfinished basement offering excellent storage or hobby space. Ideally located near The Rim Golf Club and Chaparral Pines, in which residents have the opportunity to purchase a nonresident membership and enjoy premier golfing, dining, fitness, and social amenities. This meticulously upgraded home offers the perfect blend of luxury, comfort, and mountain living in one of Payson's most desirable gated communities. (SEE DOCUMENTS TAB FOR A COMPLETE LIST OF UPGRADES & FEATURES.)

414 S Whisper Ridge Lane, Payson
$685,000
3 Beds ⋅ 3 Baths ⋅ 7067724 MLS ⋅ 2,304 SqFt.
Mountain Views • Private Setting • Flexible Living Space Nestled in one of Payson's most desirable neighborhoods, this beautifully maintained mountain home offers the perfect combination of privacy, comfort, and spectacular views. Surrounded by custom homes and abundant wildlife, you'll enjoy peaceful mornings with elk wandering through the neighborhood and breathtaking sunrises and sunsets from both the front and rear decks. The home features 2304 square feet with 3 bedrooms and 3 full bathrooms on a generous 0.47-acre lot. The upper level serves as the primary living area with an open, warm cabin feel highlighted by tongue-and-groove pine throughout. The lower level includes a private bedroom, full bath, family room, and separate entrance--ideal for guests, extended family, Owner Age

1103 S Stewart Pocket Circle, Payson
$535,000
3 Beds ⋅ 2 Baths ⋅ 7066874 MLS ⋅ 1,562 SqFt.
Inviting & Market Friendly: Welcome home to this beautifully built 2023 residence in the heart of Payson! Offering 1,562 square feet of thoughtfully designed living space, this single-level home features 3 bedrooms and 2 bathrooms with a desirable split floor plan that provides both comfort and privacy. The open concept layout is highlighted by vaulted ceilings, creating a bright and spacious atmosphere. The stylish kitchen boasts upgraded cabinetry, elegant quartz countertops, stainless steel appliances, a center island with breakfast bar seating, and plenty of workspace for cooking and entertaining. Enjoy the convenience of a 2-car garage and a location that's just minutes from shopping, dining, parks and other local amenities. Whether you're looking for your first home, a retirement retreat, or low-maintenance getaway, this move-in-ready home is a must see!

201 W Chateau Circle, Payson
$995,000
4 Beds ⋅ 4 Baths ⋅ 7066747 MLS ⋅ 3,280 SqFt.
This Very Spacious and Perfectly Oriented Mountain Cabin Retreat is TOTALLY AMAZING! It is nestled among the tall pines on a premium ½ acre view lot within the alluring gated community of Hunter Creek Ranch - A highly desirable neighborhood that is surrounded by the Tonto National Forest in the heart of Arizona's Majestic Rim Country! The owners have just installed a new Lennox, HVAC Central A/C & Furnace (08/2026) to complement the numerous other upgrades and enhancements they have added over the past few years to improve their coveted sanctuary. Your venture begins as you enter the inviting gateway to Hunter Creek Ranch and wind your way through the tall Ponderosa Pines along the nice, paved road system. Along the way, you will notice many other beautiful custom cabins that have been thoughtfully designed and spaced to preserve a feeling of openness throughout the entire community. When you enter the concrete semi-circle drive of your future mountain getaway, you will notice that there is a second main entry option next to the 2-car garage that has no stairs in order to provide a level access point. As you begin to explore this nearly 3300 sq. ft., 4 bedroom, 3 ½ bath Country Haven that rests on this charming one-half acre lot, you will be captivated by the expansive floor-to-ceiling windows in the spacious main level living room that capture the most gorgeous panoramic mountain views you can imagine. This comfortable living room also features a wood-burning fireplace and a beautiful tongue and groove pine ceiling to enhance the country atmosphere. Your other exciting discoveries will include features like 1) An open island kitchen with granite counter tops, an electric induction cook top, two ovens and appliances that are less than five years old. 2) Formal and eat-in dining areas to accommodate big gatherings. 3) A lower spacious walk-out basement living room area that has a gas fireplace, and a separate bedroom and bathroom to provide a perfect private respite for guests or family members. 4) Another two bedrooms and a full bath on the main level. 5) A very spacious and versatile master suite upstairs that has a walk-in closet, ensuite bath, and an interior balcony /office area that captures fantastic mountain views. 6) Nice blends of flooring throughout with a significant use of a nostalgic Heart Pine flooring that was reclaimed from an historic 1919 Philadelphia Fire Station. 7) A retro hard-wired intercom system throughout the home. 8) The coolest garage ever that has a "Barret Jackson" type floor area and loads of newer tall white storage cabinets a utility sink, a refrigerator, an upright freezer, a tankless hot water system, plus plenty of work space. 9) Lots of storage space throughout AND under the home. 10) And BEST of ALL (drum roll please....) FIVE perfectly oriented balconies, decks and porches that capture the Surrounding Mountain / Forest Beauty - Including Christopher Mountain, The Mogollon Rim and Promontory Point! Plan your "Great Escape" Now! Hunter Creek Ranch has a Beautiful and Intriguing History. It is close to fresh mountain streams, hiking trails and our SIX Picturesque Rim Lakes. It was once a beloved Boy Scouts of America Camp and Lodge 432 was dedicated to a Hopi Native American Chief who was born in 1878. His name was "Chief Wipila Wiki." (A special name for a special street). Don't Miss This One! (Most furnishings are available to convey by separate agreement except for some personal items that will be identified during the Inspection Period. The annual HOA fee includes water, sewer and road maintenance!)

237 W Wipila Wiki Drive, Payson
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