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

$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
$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
$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
$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
$799,000
4 Beds ⋅ 3 Baths ⋅ 7048623 MLS ⋅ 2,019 SqFt.
This gorgeous chalet style cabin has beauty and Warmth from the moment you open the Door,Rock Fire Place w/Gas,Teakwood floor !! Open Loft, 4 Bedroom's 3 bath. kitchen and Bath's Room's offer Granite Counter Top's ,Large Laundry + Storage ( ENERGY STAR EQUIPMENT ) Ceilling Fan's . Cabin Over 2000 Square Feet 1st Outside Deck where you can Surround Yourself in the tall pines and fresh crisp air. Deck 2 off Primary Bedroom. New Cement Slab and Side Walk 2026 . Outside Water System .

6346 Christmas Tree Circle, Pinetop
$649,000
4 Beds ⋅ 2 Baths ⋅ 7038684 MLS ⋅ 1,799 SqFt.
Located at the heart of Pinetop-Lakeside, this lovely 4 bedroom/2 bath single level home offers peaceful living, beautiful surroundings and easy access to community golf course. Outside living and entertaining at its best with over 1,000 sqft of deck with two covered areas, a relaxing hot tub and a cozy fire pit. Rustic wood accents the exterior as well as the interior. . The master bedroom boasts a private bathroom, walk-in closet and direct access to one of the covered deck areas. essed from the family room and one of the. The updated kitchen has modern appliances, a large island and granite throughout. The bathrooms have been tastefully updated to granite countertops with custom tiled showers/baths. The home also has a two-car garage and spacious attached storage shed. Located at the heart of Pinetop-Lakeside, this lovely 4 bedroom/2 bath single level home offers peaceful living, beautiful surroundings and easy access to community golf course. Nestled only one block away from the golf course, the house is surrounded by mature majestic Ponderosa pine trees in a private and quiet setting. Outside living and entertaining at its best with over 1,000 sqft of deck with two covered areas, a relaxing hot tub and a cozy fire pit. Rustic wood accents the exterior as well as the interior. A wood burning stove in the family room further accentuates the rustic charm and cozy atmosphere. The master bedroom boasts a private bathroom, walk-in closet and direct access to one of the covered deck areas. The deck can also be accessed from the family room and one of the guest bedrooms. The updated kitchen has modern appliances, a large island and granite throughout. The bathrooms have been tastefully updated to granite countertops with custom tiled showers/baths. The multitude of skylights brighten the house throughout. The home also has a two-car garage and spacious attached storage shed. This subdivision has great community amenities: clubhouse,fitness room,tennis courts, pool, 2 hot tubs, golf courses and etc.. This is an ideal property for a full-time residence, vacation home or "short term" rental. The house is located minutes from restaurants, local shops, golf course, hiking trails, biking trails and just 40 minutes from Sunrise Ski Resort making all four seasons in Arizona easy to enjoy.

5038 Sweeping Vista Drive, Pinetop
$799,000
4 Beds ⋅ 3 Baths ⋅ 7027009 MLS ⋅ 3,074 SqFt.
Luxury mountain retreat nestled among towering ponderosa pines in the heart of Pinetop's Woodland Hills. Experience elevated cabin living where timeless mountain charm meets comfort, privacy, and relaxation. Inside, soaring vaulted wood ceilings and an expansive open-concept Great Room create a warm, inviting atmosphere perfect for entertaining. Enjoy evenings by the brick gas fireplace, peaceful mornings on the extended covered porches, and year-round enjoyment with a spacious bonus game room and enclosed Arizona room that seamlessly blends indoor and outdoor living. This 4 bedroom, 3 bathroom retreat features a split primary suite with private porch access, spa-inspired bath with jetted tub, separate shower, dual vanities, and walk-in closet. The open kitchen offers an island, walk-in pantry, oak cabinetry, gas range, built-in microwave, extended front and back porches, towering ponderosa pines, upstairs guest suite with adjacent full bath, furniture available on separate bill of sale. Located near Woodland Lake Park with pickleball, tennis courts, frisbee golf, scenic walking trails, fishing pier, playgrounds, and year-round outdoor recreation. Hiking, golf, lakes, skiing, dining, boutique shopping, and the premier lifestyle amenities make Pinetop one of Arizona's most sought-after luxury cabin destinations. Ideal for both primary and second-home buyers, mountain retreat seekers, vacation homeowners, and those looking for an exceptional White Mountains escape.

710 E Osprey Lane, Pinetop
$339,500
2 Beds ⋅ 2 Baths ⋅ 7025267 MLS ⋅ 1,111 SqFt.
Offered Furnished in Pine Lake Meadows! A rare blend of seclusion and convenience--just 5 minutes from Pinetop Restaurants! Residents enjoy a private clubhouse, lake, open space, scenic trails, and towering pines. This home features a privately fenced rear covered patio & yard plus a 1 car garage. Additionally, this home backs to a large estate for added privacy. A gated east-facing patio leading to the main entrance is perfect for morning coffee. The main level includes the primary suite w/en-suite bath, guest BR, guest bath, kitchen, dining, and living RM w/pellet stove. Soaring vaulted ceilings lead to a loft--ideal as a second family/game room or third bedroom/office. The primary suite features serene pine views and private patio access. HOA permits rentals with a 14-day minimum.

3170 E Rainbow Lane, Pinetop
$539,000
4 Beds ⋅ 3 Baths ⋅ 7019494 MLS ⋅ 2,789 SqFt.
Nestled among tall pines in the desirable Woodland Hills community, this inviting home offers the perfect blend of comfort and mountain living. Inside, you'll find beautiful wood flooring, a warm, functional layout, and included appliances, making it truly move-in ready. A durable metal roof adds lasting value and peace of mind. Enjoy easy access to the national forest for hiking, scenic drives, and outdoor adventure. Nearby, a park features a fishing lake, disc golf, pickleball courts, playgrounds, and open space for relaxing or gathering with friends and family. Just a short drive to Sunrise Park Resort for skiing, snowboarding, and year-round recreation. Ideal as a full-time home, weekend getaway, or investment opportunity in Arizona's scenic White Mountains region with fresh air.

2700 S Woodland Hills Lane, Pinetop
$874,000
7 Beds ⋅ 5 Baths ⋅ 7012433 MLS ⋅ 3,306 SqFt.
Amazing cabin in sought-after Woodland Hills in Pinetop! Features vaulted T&G ceilings, large windows, and an open great room with stacked stone gas fireplace. Spacious kitchen with granite counters, abundant cabinetry, pantry, 6-burner gas cooktop, and double oven. Split floor plan with main-level primary bedroom featuring fireplace, dual closets, and spa-like bath. Two upstairs living areas include bedrooms, baths, and game space--offering dual primary potential. Four bedrooms downstairs plus additional flexible rooms. Enjoy wood floors, dream laundry/mudroom, 2.5-car garage, circular drive, RV gate, and two covered decks. Fully fenced yard with gazebo, pavers, and firepit. Close to Woodland Lake, trails, dining, shopping, and more! Don't let this one go!

2131 S Woodland Hills Lane, Pinetop
$635,000
4 Beds ⋅ 3 Baths ⋅ 6995111 MLS ⋅ 2,290 SqFt.
*PRICED REDUCED $20,000!* Welcome to your fully furnished, turnkey mountain retreat in the heart of Pinetop Country Club. Whether you're seeking a proven vacation rental, a full-time mountain residence, a private family getaway, or a combination of all three, this beautifully appointed 4 bedroom, 3 bathroom cabin delivers. From the moment you step inside, you're greeted by soaring T&G ceilings, rich wood accents, and a stunning floor-to-ceiling stone fireplace that anchors the great room and creates an unforgettable lodge ambiance. The open layout flows seamlessly into a well-equipped kitchen with granite countertops, farmhouse sink, stainless appliances, and a spacious island perfect for gathering. The main level features a generous Master Suite along with two additional bedrooms.Read on: Upstairs you'll find an expansive loft complete with wet bar, rustic wood railing, and additional living space ideal for entertaining or relaxing. The upper level also includes a Jack-and-Jill bathroom with soaking tub and an oversized fourth bedroom, offering excellent separation and privacy for guests. Enjoy both a full-length covered front deck, as well as a covered back deck, each one perfect for morning sips or cool summer evenings beneath the tall pines. With no homes directly behind or to the north, the property offers added privacy rarely found in this area. The backyard is designed for fun with a zip line, horseshoes, and a fire pit for gathering under the stars and roasting s'mores. Additional features include a new HVAC added in 2023, newer metal roof for long-term durability, and a versatile garage space that can store mountain toys or continue serving as a game room with ping pong setup. Located just 30 minutes from Sunrise Ski Resort and minutes from fishing lakes, hiking and biking trails, horseback riding, shopping, dining, and Hon-Dah Casino, this property offers year-round recreation at your doorstep. A true mountain lifestyle opportunity, ready to enjoy from day one!

2540 Timber Ridge Lane, Pinetop
$598,000
2 Beds ⋅ 2 Baths ⋅ 6986361 MLS ⋅ 1,788 SqFt.
Country Club Living in the Cool White Mountains of Pinetop, AZ. Welcome to the good life in the White Mountains! Perfectly positioned across from the Pinetop Country Club, this beautifully designed 2-bedroom, 2-bath home offers 1,788 sq. ft. of comfortable mountain living,with no HOA fees. Surrounded by the Apache-Sitgreaves National Forest and near Mount Baldy, Arizona's 2nd-highest peak, this home blends scenic beauty with unbeatable convenience. Enjoy front row views of the clubhouse and easy access to not one, but two golf courses, all just steps from your front door. Inside, the thoughtfully designed floor plan flows effortlessly, featuring an inviting kitchen, an open great room, & stunning rock focal point, complemented by a cozy gas fireplace, perfect for cool mountain evenings. The attached 2 car garage entry eliminates any steps plus there is another 1 car garage perfect for storing your golf cart, side by side, kayaks or any another toys you might want to play with in Pinetop, Arizona.

6689 Country Club Drive, Pinetop
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