Pinetop Homes with FHA New Financing

Welcome to Pinetop, a charming town nestled in the heart of Navajo County, Arizona. Known for its breathtaking natural beauty and small-town charm, Pinetop offers residents a peaceful and serene setting to call home.

With homes eligible for FHA New Financing, buying a home in Pinetop has never been easier. Whether you're a first-time homebuyer or looking to upgrade to your dream home, FHA financing provides a flexible and affordable option for purchasing a property in this picturesque town.

Pinetop boasts a variety of housing options, from cozy cabins surrounded by towering pines to modern homes with stunning mountain views. No matter your style or budget, there's a home in Pinetop to suit your needs.

In addition to its beautiful homes, Pinetop offers residents access to a range of outdoor activities, including hiking, fishing, and skiing. The town's close-knit community and welcoming atmosphere make it a great place to raise a family or enjoy a peaceful retirement.

If you're looking for a home in a stunning natural setting with easy financing options, look no further than Pinetop, Arizona. Experience the beauty and tranquility of this charming town and find your perfect home in the heart of Navajo County.

Newest Pinetop Homes with FHA New Financing

$550,000

3 Beds ⋅ 2 Baths ⋅ 7088093 MLS ⋅ 1,605 SqFt.

Set among towering pines in the desirable Pinetop Country Club community, this beautifully updated mountain retreat blends rustic charm with modern comfort. Featuring soaring ceilings, a striking 20-ft stone fireplace, new hardwood floors, and upgraded kitchen appliances, the home offers an inviting space ideal for relaxing or entertaining. Enjoy the private deck, nearby hiking, biking trails, skiing, and so much more with optional access to premier country club amenities including golf, tennis, pickleball, dining, and year-round events. Offered fully furnished and move-in ready, this property serves as both a luxury getaway and a proven income-producing investment. Already a top rated five-star Airbnb, it delivers consistent rental revenue. The expansive 900-sq-ft cellar adds exceptional potential perfect for converting into a guest suite, wine cellar, game room, or additional living space enhancing both functionality and long-term value.

5963 Anvil Circle, Pinetop

$598,000

3 Beds ⋅ 3 Baths ⋅ 7084702 MLS ⋅ 2,227 SqFt.

Welcome to your Pinetop Country Club mountain retreat! This inviting 3br/3ba home offers 2,227 SF of comfortable mountain living on a beautifully wooded 0.44-acre lot. One of the home's standout features is the rare and highly desirable ensuite arrangement--each of the three bedrooms has its own private bathroom, offering exceptional privacy and comfort for family, guests or extended stays. The newer expansive covered Trex deck is low maintenance and perfect to enjoy! The spacious primary suite provides a peaceful retreat with its own ensuite bath featuring a double vanity and a separate private shower room, creating a comfortable and functional space to start and end your day. The additional two bedrooms also feature private ensuite bathrooms, making this floor plan appealing to guests. At the heart of the home, the spacious living room showcases a beautiful floor-to-ceiling stone fireplace, creating a warm and inviting focal point surrounded by rich wood-paneled walls and large windows overlooking the towering pines. The generous living area offers plenty of space for gathering, relaxing and entertaining. The kitchen provides an abundance of cabinetry and workspace, while the home's classic mountain character offers the perfect opportunity to add your own personal style. Step outside onto the large covered rear deck, an ideal setting for morning coffee, outdoor dining or unwinding beneath the tall pines. A spacious paver driveway and attached garage add convenience, while the wooded 0.44-acre setting provides the privacy and natural beauty that make Pinetop so special. Located in Pinetop Country Club, this home offers a wonderful opportunity to enjoy the cool mountain climate, towering pines and relaxed White Mountains lifestyle. Three bedrooms. Three private ensuites. A dramatic stone fireplace. A spacious covered deck. And a beautiful, wooded Pinetop Country Club setting. This is the kind of mountain home that makes it easy to settle in, gather with family and friends, and enjoy everything the White Mountains have to offer. Living in Pinetop Country Club is all about embracing the relaxed mountain lifestyle while still having a wonderful sense of community and recreation close to home. Surrounded by towering ponderosa pines, residents enjoy cool summer temperatures, four distinct seasons, and easy access to outdoor adventures including hiking, biking, fishing, skiing and exploring the beautiful White Mountains. The community is centered around the Pinetop Country Club golf course, offering a scenic setting and a welcoming atmosphere for golf enthusiasts and those who simply appreciate the beauty of the area. Nearby Pinetop-Lakeside provides shopping, dining, local events and everyday conveniences, while the surrounding national forest offers endless opportunities to get outside. Whether you're looking for a year-round residence, a weekend getaway or a place to slow down and enjoy nature, Pinetop Country Club offers that quintessential Arizona mountain lifestyle.

3052 Madison Lane, Pinetop

$559,000

4 Beds ⋅ 3 Baths ⋅ 7079054 MLS ⋅ 2,333 SqFt.

Tucked among the towering pines in the quiet, gated Pinetop Crossings, this furnished 5-bed, 3-bath home offers the privacy and cabin feel buyers come to Pinetop looking for. With the convenience of an easy lock-and-leave lifestyle. Located in the desirable Pinetop Country Club area, this spacious 2,333 SqFt retreat is a stand-alone home with no shared walls and a NEW roof! Surrounded by tall pines and privately positioned within the community, the setting feels peaceful and tucked away while still offering the benefits of exterior maintenance. The log-sided exterior adds classic mountain character and gives the home that quintessential Pinetop cabin look from the moment you arrive. Offered furnished and ready to enjoy, this is an ideal place to settle in and escape the heat. Inside, a welcoming entry opens to a spacious great room with soaring vaulted ceilings and abundant natural light. The upgraded kitchen features quality finishes, stainless steel appliances, ample cabinetry, and generous counter space, flowing seamlessly into the dining and living areas for easy entertaining and everyday mountain living. The thoughtful floor plan offers 2 bedrooms and 2 bathrooms on the main level, including a comfortable primary suite with its own private entrance to the back deck. Upstairs, a large loft provides flexible space for a second living area, game room, office, or gathering space, along with 3 additional bedrooms and a full bath. Please note that one of the upstairs bedrooms does not have a closet. One of the greatest advantages of this property is just how easy it is to own and enjoy. Pinetop Crossings maintains the exterior of the home, landscaping, community roads, snow removal, and more, creating a TRUE LOCK-AND-LEAVE mountain lifestyle. Come up for the weekend, spend the summer in the cool pines, or enjoy the home year-round without the typical maintenance that comes with owning a mountain property. Additional conveniences include a smart-lock system for easy owner and guest access, a smart garage-door opener that can be operated remotely, and 3 Ring cameras that convey with the property. Pinetop Crossings is a highly sought-after gated community nestled among the tall pines in the heart of Pinetop. Known for its charming mountain architecture, spacious floor plans, and peaceful setting, the community offers the atmosphere of a private mountain retreat while keeping you close to everything that makes the White Mountains such a special place to live and visit. Whether you're searching for a full-time mountain home, a family getaway, or an easy-care retreat where everyone has room to spread out, this exceptionally well-cared-for property offers a rare combination of privacy, space, convenience, and classic Pinetop charm. The furnishings currently in the home will convey, making it even easier to arrive, settle in, and start enjoying the mountain lifestyle. HOA COVERS: * Grounds upkeep, including our Elk front entrance water feature * Community gates * Exterior building painting/staining maintenance * Roof and gutter repair and replacements * Trash services * Private street maintenance * Property management *** The Pinetop Country Club area has 3 golf courses, one is public and the other 2 are private. Just down the road you also have tennis and pickleball courts for everyone to enjoy. The community is ideally located near hiking and biking trails, lakes, golf, and Sunrise Park Resort, making it perfect for both full-time residents and second-home owners. With its peaceful wooded setting, larger floor plans, and strong appeal for hosting family and friends, Pinetop Crossings continues to be one of the most desirable communities in the White Mountains. *** 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!

3915 Elk Hollow Drive, Pinetop

$715,000

4 Beds ⋅ 4 Baths ⋅ 7077094 MLS ⋅ 2,388 SqFt.

Make every trip to the mountains feel like a true escape in this fully furnished Pinetop retreat, tucked beneath the towering ponderosa pines and designed for gathering, relaxing, and making memories. With 4 bedrooms, 4 bathrooms, generous indoor and outdoor living spaces, and Rec Center privileges, there's room for everyone to settle in and enjoy the laid-back mountain lifestyle. Spend summer afternoons on the oversized covered front deck, cozy up by the wood-burning stove after a day in the snow, or simply slow down and enjoy the cool mountain air and peaceful pine-filled surroundings. Inside, the spacious Great Room is filled with natural light and classic cabin warmth, creating an inviting space for everything from quiet weekends away to holidays and vacations with family and friends. The flexible floor plan gives you plenty of room to spread out. The formal dining room features a gas fireplace and could easily remain a beautiful gathering space or be transformed into a secondary living room, family room, or game room. Just off the dining area is an office/bonus room with its own private exit to the backyard. With a full bathroom nearby and an adjacent bedroom, this area can easily be closed off to create a more private guest quarters setup. The bedrooms are generously sized, giving family and guests plenty of room to settle in comfortably. The oversized primary suite features two closets, including one currently used as a private owner's closet; ideal for those who plan to use the home seasonally or as a mountain getaway. Outside, the fully fenced backyard offers even more room to enjoy the mountain lifestyle, whether you're grilling, entertaining, relaxing under the pines, or letting kids and pets play. An RV gate provides access to the extended 2-car garage, located in the backyard and conveniently connected to the home by a breezeway. There's plenty of space for vehicles, recreational gear, and all the toys that come with life in the White Mountains. Living in Pinetop Lakes Mountain Homes is about more than just the cabin, it's a lifestyle. Spend summer mornings hiking beneath the pines, afternoons golfing, fishing, or exploring nearby trails, and evenings gathered around the fireplace or relaxing on the deck. When winter arrives, enjoy snowy cabin weekends and skiing at Sunrise Park Resort before coming home to warm up beside the woodstove. Residents also enjoy recreational amenities including a community pool, spa, fitness center, clubhouse, tennis and pickleball courts, along with activities and social opportunities throughout the year. Shopping, dining, entertainment, and everyday conveniences in Pinetop-Lakeside are just minutes away. Fully furnished, fenced, spacious, and filled with cozy mountain character, this is the kind of Pinetop cabin where generations of mountain memories are made. *** 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!

3456 Turkey Track Road, Pinetop

$249,900

3 Beds ⋅ 2 Baths ⋅ 7068363 MLS ⋅ 1,025 SqFt.

This 3-bedroom, 2-bath manufactured home offers approximately 1,024 square feet of living space on a wooded lot in Pinetop. Built in 1996, the property features mature trees, multiple storage buildings, ample parking, and low-maintenance outdoor space. Inside, you'll find a functional floor plan with comfortable living areas, making it a great option for a full-time residence, seasonal home, or investment property. Conveniently located just minutes from shopping, restaurants, golf courses, hiking trails, fishing lakes, and Sunrise Park Resort, you'll have easy access to the many outdoor activities the White Mountains are known for. If you're looking for an affordable home in Pinetop with a convenient location and room to make it your own, this property is ready for its next owner.

4079 Mark Twain Drive, Pinetop

$540,000

3 Beds ⋅ 3 Baths ⋅ 7065366 MLS ⋅ 2,363 SqFt.

Tucked into the tall pines of The Woods at Pinetop, Shady Hill Lodge is a spacious 2,363 sq ft cabin built for gathering. With three bedrooms, two and a half baths, and comfortable sleeping for up to 10, it's the perfect home base for family reunions, couples' getaways, and White Mountains adventures in every season. Spread out in the open-concept living space, cook together in the full kitchen, and unwind on the deck surrounded by towering pines and cool mountain air. You're just minutes from Woodland Lake Park, hiking and biking trails, Pinetop-Lakeside dining, and a short drive to Sunrise Park for summer trails and winter snow play.

726 W Sequoia Lane, Pinetop

$798,000

2 Beds ⋅ 3 Baths ⋅ 7062715 MLS ⋅ 2,504 SqFt.

Experience the best of mountain living in this beautifully remodeled, fully furnished retreat nestled in the highly sought-after Pinetop Lakes Country Club, complete with Rec Center privileges. Nestled on a beautifully landscaped, heavily treed corner lot, this meticulously maintained 2-bed, 2.5-bath home with a spacious loft offers 2,504 SqFt of comfortable mountain living. Step inside to an inviting great room featuring soaring vaulted ceilings, elegant crown molding, abundant natural light, and a cozy gas fireplace. The open-concept floor plan flows seamlessly into the dining area and spacious eat-in kitchen, creating the perfect space for entertaining family and friends. Designed for both comfort and flexibility, the home features 2 generously sized primary suites. Each primary suite features a private ensuite bathroom. The main-level suite offers the convenience of single-level living, while the expansive upstairs suite includes a sitting area, four oversized closets, including dual walk-in closets, and ample space with the potential to create an additional bedroom, office, craft room, nursery, or playroom. The oversized loft overlooks the great room and provides exceptional versatility as a media room, home office, game room, or additional guest accommodations. Four finished storage rooms offer incredible organization and space for hobbies, a workshop, or seasonal storage. Handicap accessibility adds even more convenience. Outdoor living is just as inviting with spacious covered front and back decks featuring low-maintenance Trex-style decking, perfect for enjoying the cool mountain air, peaceful surroundings, and towering ponderosa pines throughout every season. Additional features include luxury vinyl plank flooring, Leaf Guard gutters, an oversized 2.5-car garage with abundant built-in cabinetry, and an extended garage bay that provides additional storage or workshop space. Thoughtful updates make this home truly move-in ready. The home was professionally remodeled in 2018 with the assistance of a custom designer, and central air conditioning was added at that time. A new roof was installed in 2024 and includes a transferable warranty. Natural gas service was added in 2025 along with a new furnace, and a new water heater was also installed in 2025. The easy-care landscaping includes drip irrigation that has been professionally serviced and winterized annually. Pride of ownership is evident throughout every detail of this exceptional property. One of the home's most valuable features is its Recreation Center privileges, offering access to an impressive array of amenities including a swimming pool, hot tub, fitness center, pickleball, tennis, volleyball, basketball, shuffleboard, game room, water aerobics, Pilates classes, arts and crafts, and year-round community events and activities. Located in the heart of Arizona's White Mountains, Pinetop Lakes Country Club offers the ideal balance of mountain serenity and outdoor recreation. Residents enjoy hiking, biking, golfing, fishing, boating, wildlife, and cool four-season weather. The area is home to more than 40 lakes, over 600 miles of rivers and streams, one of the Southwest's largest trail systems, and Sunrise Park Resort, just 40 minutes away for skiing, snowboarding, and winter adventures. Whether you're searching for a full-time residence, a lock-and-leave vacation home, or a peaceful mountain retreat, this exceptional property offers the very best of mountain living in one of Arizona's premier communities.

6378 Christmas Tree Circle, Pinetop

$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

$575,000

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

$840,000

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

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