Pinetop Homes with VA Loan New Financing

Pinetop Homes with VA Loan New Financing

Welcome to Pinetop, a charming town nestled in the heart of Navajo County, Arizona. Known for its stunning natural beauty and outdoor recreational opportunities, Pinetop is a haven for those seeking a peaceful and picturesque place to call home.

With the option of financing your dream home with a VA loan, the possibilities are endless in Pinetop. Whether you're a first-time homebuyer or looking to upgrade to a larger space, utilizing a VA loan can make the home buying process smoother and more affordable.

Imagine waking up to the crisp mountain air and the whispering pines right outside your window. In Pinetop, you can enjoy a slower pace of life while still having access to modern amenities and conveniences. From cozy cabins to spacious family homes, there is a wide range of properties available to suit every taste and budget.

Outdoor enthusiasts will delight in the abundance of recreational activities that Pinetop has to offer, from hiking and fishing in the summer to skiing and snowboarding in the winter. With its close proximity to the stunning White Mountain wilderness, residents can explore miles of scenic trails and immerse themselves in nature's beauty.

Come discover the magic of Pinetop and find your perfect home in this idyllic Arizona town. With VA loan financing available, now is the time to make your real estate dreams a reality in this charming community.

Newest Pinetop Homes with VA Loan New Financing

$449,000
3 Beds ⋅ 2 Baths ⋅ 7061129 MLS ⋅ 1,310 SqFt.
Surrounded by Tall Pines in the COOL, PEACEFUL, PINETOP COUNTRY CLUB, this Remodeled 3 Bed/ 2 Bath Home w/ Tongue & Groove Vaulted Ceilings & a Wood Burning Fireplace, Can Be Your Escape from the Hustle & Bustle of City Life. Located Deep in the Country Club, on a Quiet Road, you'll be Serenaded by the Wind Through the Pines , the Chattering of Squirrels and the Singing Birds. Take a Walk..Enjoy a Bike Ride....No Busy Roads Here...This Home is located Near the Areas Beautiful Hiking Trails, Lakes & Sunrise Ski Area, making it a Wonderful Opportunity for Both Seasonal & Full Time Living. Skylights Brighten the Home During the Day while the Wood Burning Fireplace Sparkles & Crackles During those Chillier Moments. Cherry Cabinetry, Quartz Countertops, Spacious Rooms & an Attached Garage..

8239 Buck Springs Road, Pinetop
$339,500
3 Beds ⋅ 1 Baths ⋅ 7061122 MLS ⋅ 1,216 SqFt.
Escape to the pines with this ''priced to sell'' charming A-frame cabin offering the perfect blend of mountain character and everyday comfort. Nestled on a fully fenced lot surrounded by mature ponderosa pines, this property features a covered front porch, wood shed, storage shed, and plenty of room to park an RV. With no HOA, it's an excellent opportunity for a primary residence, vacation getaway, investment property, or short-term rental. Inside, you'll find a warm and inviting living room centered around a cozy wood-burning stove. The spacious kitchen features solid maple cabinetry, granite countertops, abundant storage, and a convenient eat-in dining area. Durable flooring and window blinds throughout provide low-maintenance living. The thoughtfully designed floor plan includes a main level primary bedroom, while two generously sized guest bedrooms are located upstairs, offering privacy for family and visitors alike. Whether you're looking for your first home, a second home, or an investment opportunity, this inviting cabin delivers comfort, character, and the peaceful lifestyle of the White Mountains. As an added bonus, the seller is including a Buyer Bonus Home Warranty through Fidelity National Home Warranty, offering added peace of mind for the new owner.

1709 E Gobbler Peak Lane, Pinetop
$585,000
2 Beds ⋅ 2 Baths ⋅ 7059406 MLS ⋅ 1 SqFt.
Beautiful, very well maintained townhome in Quality Hill at Pinetop Lakes Country Club. Relax on the back deck overlooking the gorgeous greenbelt and listen to the sounds of the waterfall and running water. Picture windows in the comfortable living room with gas fireplace offers views galore. This home features two large bedrooms (either could be used as the master) Full bath downstairs with walk in shower. Full bath upstairs with a jetted tub. Plus a large loft. Also has a private, fenced courtyard. This home is being offered fully furnished move in turn key ready! Quality Hills features an amazing rec center for entertaining, working out or just hanging out with friends. Pinetop Lakes golf course is a short walk away.

3712 Crown Dancer Drive, Pinetop
$400,000
3 Beds ⋅ 2 Baths ⋅ 7058787 MLS ⋅ 1,994 SqFt.
Beautifully remodeled 3-bedroom, 2-bath townhouse with a 2-car garage, spacious upstairs loft, and soaring vaulted ceilings that create an open, airy feel. Nestled among the tall pines, this community offers a clubhouse and scenic lake. The interior has been completely refreshed with fresh paint, luxury vinyl plank flooring throughout the main living areas, and plush carpet in the bedrooms. The stunning kitchen features light-stained shaker cabinetry, quartz countertops, stainless steel appliances, a gas range, built-in microwave, and modern finishes throughout. The family room is highlighted by a vaulted ceiling, cozy electric fireplace, and direct access to a covered patio. Two secondary bedrooms and a beautifully remodeled full bathroom are conveniently located downstairs. Upstairs, the private primary suite offers a spa-inspired bathroom with a custom tiled shower, dual-sink vanity, updated mirrors, and designer lighting. The versatile loft provides the perfect space for a home office, media room, fitness area, or playroom. Move-in ready with designer finishes throughout!

3186 E Rainbow Lane, Pinetop
$499,000
3 Beds ⋅ 2 Baths ⋅ 7055766 MLS ⋅ 2,050 SqFt.
This is Your White Mountain Chalet! An industrial theme cabin retreat sits under tall pines on a corner lot in Pinetop Country Club Vista. With NO HOA, unmatched flexibility! A vacation or long-term rental, or full-time home, No rental restrictions. Inside, deep vaulted ceilings with T&G woodwork for a warm, cabin tone. The open floor plan is anchored by a charming pellet stove and polished quartz countertops. A versatile bonus room completes the interior, to serve as a home office, gym, guest room, or whatever you desire. Outside, soak up the sun on the open deck, gather for meals under the covered outdoor dining area, or unwind on the private back patio, a fully enclosed backyard perfect for pets. And a Heated Garage! Mountain memory-making moments await. Come experience it for yourself.

4211 Pinetree Lane --, Pinetop
$739,900
4 Beds ⋅ 2 Baths ⋅ 7055150 MLS ⋅ 2,640 SqFt.
This truly distinctive Pinetop mountain retreat brings together warm rustic character, thoughtful updates and an exceptional lifestyle. Offering approximately 2,640 square feet with four bedrooms, two bathrooms and flexible bonus space, the home is designed for gathering, relaxing and enjoying every season in the White Mountains. The heart of the home is the bright, open great room, where the remodeled kitchen, dining area and living space flow together. Hickory cabinetry, quartz countertops, updated appliances, newer flooring and refreshed finishes create a comfortable, move-in-ready setting while preserving the home's mountain charm. A wood-burning stove adds warmth and atmosphere on cool evenings. Large windows and sliding glass doors open to the expansive deck, creating a wonderful indoor-outdoor connection with plenty of room for dining, entertaining or simply enjoying the peaceful pine setting. Upstairs, dramatic architectural lines, wood ceilings and exposed beams create a one-of-a-kind retreat with additional bedrooms and a versatile loft area ideal for games, reading, hobbies, an office or extra guest space. The attached two-car garage offers more than parking, with a substantial storage loft for seasonal items, outdoor gear and mountain toys. Recent improvements include extensive interior updates, exterior painting, deck work, bathroom updates, new lighting, electrical upgrades and flooring improvements. The location completes the lifestyle. Walk or take the golf cart to Pinetop Lakes Golf & Country Club for golf, dining and community events. A short drive away, the Pinetop Lakes Association Recreation Center offers a swimming pool, fitness facilities, pool tables, games for children, Pilates and other exercise classes, sports courts, social activities and popular Saturday pancake breakfasts, all included through the community's low annual association fee. Whether enjoyed as a full-time residence, second-home getaway or gathering place for family and friends, this home offers space, personality and a mountain lifestyle that is difficult to duplicate.

3163 Viking Trail, Pinetop
$499,000
3 Beds ⋅ 2 Baths ⋅ 7054532 MLS ⋅ 1,706 SqFt.
Perfectly positioned on one of the most desirable lots in a private Pinetop Country Club community, this beautifully maintained, fully furnished 3-bedroom, 2-bath stand-alone condo offers the ideal combination of privacy, comfort, and mountain living. Backing to a heavily treed open space where no one can build, the property is surrounded by mature pines, lush landscaping, and thoughtfully planted trees that create a peaceful, secluded setting. The covered back deck was intentionally designed for the original owners to maximize privacy, making it the perfect place to enjoy your morning coffee, entertain friends on cool summer evenings, or simply relax and take in the fresh mountain air. Inside, the bright open-concept floor plan welcomes you with soaring vaulted tongue-and-groove ceilings, warm log accents, and a beautiful gas fireplace that creates the perfect gathering space year-round. The desirable split floor plan offers privacy for both owners and guests, while spacious rooms and large windows fill the home with natural light and bring the beauty of the surrounding pines indoors. The well-appointed kitchen is ideal for entertaining, featuring abundant custom cabinetry, generous counter space, and convenient bar seating that flows seamlessly into the dining area. Just beyond, the dining room opens to the private back deck, creating the perfect indoor-outdoor living experience. The oversized primary suite is a peaceful retreat with private access to the back deck, a spacious ensuite bathroom with dual vanities and a large walk-in shower, and an impressive oversized walk-in closet. Two additional generously sized guest bedrooms and a full guest bath provide comfortable accommodations for family and friends. Whether you're searching for a full-time residence or a turnkey mountain getaway, this exceptional property offers the perfect blend of comfort, privacy, and timeless mountain charm. Enjoy everything Pinetop Country Club and the White Mountains have to offer, including golf, hiking, fishing, skiing, dining, and endless outdoor recreation, then return home to your own peaceful retreat surrounded by towering pines and protected open space. * New Hot Water Heater 2026 * Newer Kitchen Fridge - 2024 but only used for 6 weeks. * On the list for a new roof with the HOA **** Pinetop Crossing offers the perfect blend of mountain serenity and lock-and-leave convenience. Nestled within the highly desirable Pinetop Country Club, this private gated community is surrounded by majestic ponderosa pines and beautifully maintained grounds, creating a peaceful setting you'll love coming home to. Spend your days golfing, hiking, fishing, off-roading, skiing, or exploring the countless outdoor adventures the White Mountains are known for, then relax knowing the HOA takes care of exterior maintenance so you can spend more time enjoying the mountain lifestyle. Whether you're searching for a full-time residence, a weekend escape, or a seasonal retreat, Pinetop Crossing is one of the area's most desirable communities, offering privacy, convenience, and the timeless charm that makes Pinetop such a special place to call home. **** Discover the White Mountains of Arizona--where adventure, beauty, and fresh mountain air come together. Enjoy four stunning seasons, 40 lakes, and 600+ miles of rivers and streams, perfect for fishing, kayaking, and exploring. Hit the trails on one of the largest trail systems in the Southwest, or spend winter days at Sunrise Ski Resort, just 40 minutes away with three mountains of skiing, snowboarding, and sledding. Love shopping or culture; wander through antique shops, summer arts & craft fairs, and lively music festivals. Golfers can tee off at seven scenic courses, including three public gems. It's no wonder Pinetop-Lakeside was voted the "Best Cabin Region in the U.S." The White Mountains--Arizona's best-kept secret. Come explore and embrace the MAGIC!

2964 Timberline Road, Pinetop
$619,500
3 Beds ⋅ 3 Baths ⋅ 7054320 MLS ⋅ 1,828 SqFt.
Incredible opportunity to own a turnkey Pinetop Country Club vacation home that is nestled on an oversized corner lot. This mountain getaway is completely ready for your immediate enjoyment. Recently updated, fully and tastefully furnished, it is a 3-bedroom, 3-bath home that provides mountain charm with open spacious rooms of modern comfort. It is designed to make you feel at home the moment you walk through the door. As you enter, you'll notice stunning high tongue-and-groove ceilings with multiple skylights throughout to make this alpine haven especially bright and spacious. Warm wood inspired flooring flows throughout the living spaces that creates character that perfectly complements the mountain lifestyle. The inviting living and dining room areas are anchored by a cozy large gas fireplace, creating the perfect place to gather on cool mountain evenings and snowy winter nights. Expansive windows fill the home with natural light and frame beautiful views of the towering pines from most rooms bringing the outdoors in and creating a peaceful setting throughout. The versatile kitchen is both stylish and functional, featuring beautiful stone countertops, walk-in pantry, and a coffee serving bar. Bay windows create a designated dining area cozy but also open for more seating when needed. There are two master bedroom suites with an oversized primary suite complete with a generous ensuite bath, dedicated office space ideal for working remotely, and a large walk-in closet with abundant storage. Guests will appreciate the oversized secondary bedroom with its own ensuite, offering comfort and privacy for visitors or multi-generational living. Step outside on the large premium synthetic back patio complete with a large grill, bar and easy- care outdoor furniture. perfect for morning coffee, evening gatherings, or simply enjoying the cool mountain air. The generously treed backyard is framed by rustic lodge pole fencing keeping pets and children secure for enjoyment. Landscaping with yard swings, birding station, pines, cedars and aspens provide additional natural beauty to the surrounding. The two-car garage provides additional storage and you'll also find ample outside parking is available for RV's, campers, etc. Being sold fully furnished, this incredible property is truly move-in ready--simply bring your personal belongings and start making memories. Located one street from a convenient Apache-Sitgreaves Nat'l forest trail and just minutes from golf, hiking, fishing, dining, and year-round recreation, this home offers more than a place to live--it offers the mountain lifestyle you've been dreaming about.... Don't miss your chance to own the perfect Pinetop escape!

7507 Tall Pine Drive, Pinetop
$445,000
2 Beds ⋅ 2 Baths ⋅ 7052961 MLS ⋅ 1,307 SqFt.
Beautifully crafted 2-bedroom, 2-bath plus loft home in the highly sought-after White Mountain Club Estates, offered fully furnished and completely turnkey. This 1,307 sq. ft. retreat showcases soaring vaulted ceilings, dramatic floor-to-ceiling windows that fill the home with natural light, and an inviting open-concept design. Step outside to the spacious half wraparound deck, partially covered for year-round enjoyment, where you can relax beneath the towering pines. Whether you're searching for a full-time residence, vacation getaway, or investment opportunity, this exceptional home offers timeless charm just minutes from golf, hiking, fishing, dining, skiing, and everything Pinetop has to offer. Comes with Tesla charging station

3035 S Wapiti Lane, Pinetop
$860,000
3 Beds ⋅ 3 Baths ⋅ 7052850 MLS ⋅ 1,922 SqFt.
If you've been dreaming of a mountain escape that feels just as fun as it is relaxing, this is the one. Beautifully remodeled in 2019 with over $100,000 in professionally selected upgrades and furnishings, this Pinetop retreat has been thoughtfully designed for making memories. Whether you're hosting family, entertaining friends, or welcoming vacation guests, there's room for everyone. The flexible floor plan offers three bedrooms, three bathrooms, plus a one-of-a-kind loft featuring custom-built hanging twin beds with trundles underneath--creating the ultimate space for kids, grandkids, or weekend visitors. The private upstairs primary suite feels like its own retreat with a cozy sitting area, walk-in closet, and soaking tub that's perfect for unwinding after a day outdoors. Downstairs, the beautifully updated kitchen opens to inviting living spaces that make gathering together easy and comfortable. The fun doesn't stop inside. The attached two-car garage has been transformed into an incredible game room complete with arcade games and comfortable seating, making it a favorite hangout no matter the season. Step outside to enjoy the cool mountain air, or head out to explore everything the White Mountains have to offer. Hiking trails, Woodland Lake Park, Fool Hollow Lake, and Sunrise Park Resort are all just a short drive away, offering year-round recreation from hiking and fishing to skiing and snowboarding. For those looking for an investment opportunity, this home has also proven itself as an outstanding short-term rental, consistently performing in the top 3% of comparable properties. Rental performance information is available upon request. Whether you're searching for your own mountain getaway, a second home, or a proven vacation rental, this is a property you'll want to experience in person.

4273 E Branding Iron Loop Loop, Pinetop
$950,000
4 Beds ⋅ 3 Baths ⋅ 7052837 MLS ⋅ 2,500 SqFt.
Built just four years ago, this exceptional mountain retreat offers a level of design and craftsmanship that's hard to find. Every space has been thoughtfully planned, creating a home that feels both elevated and inviting from the moment you walk through the door. The main home features three bedrooms, spacious living areas, and an incredible loft that's perfect for movie nights, games, or additional sleeping space for guests. The open-concept layout is complemented by beautiful finishes, custom details, and quality craftsmanship throughout, creating a home that's as impressive as it is comfortable. Adding even more flexibility is the detached studio apartment above the garage, serving as the fourth bedroom. Complete with its own full kitchen and bathroom, it's the perfect setup for guests. The open-concept layout is complemented by beautiful finishes, custom details, and quality craftsmanship throughout, creating a home that's as impressive as it is comfortable. Adding even more flexibility is the detached studio apartment above the garage, serving as the fourth bedroom. Complete with its own full kitchen and bathroom, it's the perfect setup for guests, extended family, a private retreat, or additional rental opportunities. The fun continues in the attached garage, which has been transformed into an incredible game room featuring arcade games, dart boards, comfortable seating, and plenty of space to relax after a day of exploring the White Mountains. Located just minutes from hiking trails, Woodland Lake Park, Fool Hollow Lake, and Sunrise Park Resort, you'll have year-round access to some of Pinetop's best outdoor recreation. This home isn't just beautiful--it's also a proven short-term rental with an established history of success. Even better, the property's popular Instagram account with its loyal following is included in the sale, giving the next owner a valuable head start in continuing to grow the brand and future bookings. Whether you're searching for an unforgettable mountain getaway, a full-time residence, or an exceptional investment opportunity, this one truly stands apart.

4251 Branding Iron Loop Loop, Pinetop
$639,000
2 Beds ⋅ 3 Baths ⋅ 7050366 MLS ⋅ 2,271 SqFt.
Situated on the 7th tee of Pinetop Lakes Country Club in the desirable Quality Hills community, this beautifully crafted DUAL SUITE townhouse WITH HUGE LOFT combines elegance and convenience in every detail. It features two spacious primary suites with upgraded bathrooms that include a Jacuzzi tub, steam room, and oversized showers. A large loft with a wet bar and refrigerator provides excellent space for relaxing or entertaining, and the generous 650-square-foot deck offers picturesque views of the golf course, perfect for quiet evenings or social gatherings. The kitchen and baths are finished with thick granite countertops and elevated cabinetry, complemented by stone tile flooring and upgraded fixtures throughout. Additional highlights include artistic textured ceilings, LED lighting, a single-car garage with storage, a large laundry room with cabinetry, and ample closet space including a walk-in closet in the upstairs suite. The home is complete with a 52-gallon gas water heater with a recirculating pump and a courtyard side entrance for added charm. Residents enjoy access to beautifully maintained common areas featuring running water, peaceful ponds, and a community clubhouse, making this a true retreat for golf enthusiasts and nature lovers alike. Features for this property: *Dual Master Suites with double vanities *Upgraded Cabinets and thick edged Granite *52 Gallon Gas WH with re-circulating pump. *Large Stone Wood Burning Fireplace w/ Gas Starter/Burner *Large Loft with Wet Bar can easily accommodate a sleeper sofa *Single car garage with closet *Beautiful Courtyard Side Entrance *LED Lighting throughout *Large Laundry Room w/Cabinets & Washer/Dryer *Extra Closet space and Large walk-in closet at upstairs master

3723 Crown Dancer Drive Unit 2, Pinetop
Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.