Gila Homes with Conventional New Financing

Gila Homes with Conventional New Financing

Located in the state of Arizona, Gila County is a stunning region that offers a wealth of natural beauty and a thriving real estate market. With its diverse landscapes, including mountains, forests, and rivers, Gila County attracts outdoor enthusiasts and nature lovers from all over.

One of the key aspects to consider when looking for homes in Gila County is the availability of conventional new financing. Fortunately, Gila County offers plenty of options for homebuyers seeking conventional financing. Whether you're a first-time homebuyer or looking to upgrade to a larger property, Gila County has a range of homes that can be financed through conventional means.

Conventional financing provides homebuyers with a variety of benefits, including competitive interest rates, flexible terms, and the ability to avoid private mortgage insurance (PMI) if a down payment of at least 20% is made. This type of financing is ideal for those who have a stable income, good credit history, and a solid financial foundation.

Whether you're interested in a charming single-family home in the heart of Payson or a spacious ranch-style property in Globe, Gila County has a diverse range of homes available for purchase with conventional financing. With its picturesque landscapes, friendly communities, and convenient access to amenities, Gila County is an excellent place to call home. Start exploring the real estate market in Gila County today and find your dream home with conventional financing.

Newest Gila Homes with Conventional New Financing

$48,000
7082464 MLS
Opportunity to build your dream home on this expansive 6-acre parcel nestled in the Copper Canyon / Black Peak area. This largely untouched land offers wide-open space, natural desert beauty, and stunning panoramic views in every direction. Whether you're envisioning a private retreat or a custom estate, this property provides the perfect blank canvas to bring your vision to life. Features

21xx N Copper Canyon Road Unit 168, Globe
$139,000
7082188 MLS
Over 1 acre within the gates of the Rim Golf Club, BACKING TO NATIONAL FOREST, and blanketed with tall Pine trees; this exquisite property is the perfect place to build your dream home. This home site is located in a highly desirable area of the community that has a quiet and tranquil setting.

805 S Monument Valley Drive Unit 166, Payson
$599,999
5 Beds ⋅ 3 Baths ⋅ 7081938 MLS ⋅ 2,395 SqFt.
Located in the desirable Mogollon Village, this stunning custom-built home offers beautiful mountain views, along with numerous thoughtful upgrades throughout. An extra-deep garage provides plenty of room for additional storage, while the welcoming entryway leads to a charming covered front deck. Inside, the home features 8-foot doors throughout, five bedrooms, and three bathrooms. The beautifully appointed kitchen showcases custom cabinetry, a striking copper hood, and a spacious island/breakfast bar accented by gorgeous slab granite countertops. Conveniently located just off the kitchen, the laundry room offers abundant cabinetry for storage and generous counter space for folding. The inviting great room is designed for both comfort and entertaining, featuring a lovely gas fireplace with surround sound and a patio slider that opens to a covered, maintenance-free rear deck. With ample space for outdoor dining and entertaining, the deck overlooks a spacious, fenced backyard that is perfect for both pets and kids. With its custom finishes, thoughtful upgrades, stunning views, and exceptional indoor-outdoor living spaces, this home is a wonderful blend of comfort, style, and functionality.

304 S Ryan Drive, Payson
$460,000
2 Beds ⋅ 2 Baths ⋅ 7081470 MLS ⋅ 1,364 SqFt.
Escape to your mountain retreat in the prestigious Portal 4, a sought after, gated community offering a serene getaway. This stunning 1364 sqft 2 bedroom, 2 bathroom home with loft offers a home in the cool mountain air with peaceful surroundings and local wildlife. Enjoy mountain views from the covered deck, perfect for enjoying morning coffee. This is mountain living at its finest. HOA allows short term rentals making this furnished home ideal for rental income. The house comes turn-key ready with most furnishings. Covered front deck with porch swing is ideal for relaxing or watching the elk that roam freely. The great room features soaring vaulted ceilings with exposed beams and large windows perfect for gazing out upon majestic views. Buyer/Agent to verify all info. The house comes turn-key ready with most furnishings. Welcoming covered front deck with porch swing, ideal for relaxing and taking in the natural surroundings or watching the elk that roam freely. The great room features soaring vaulted ceilings with exposed beams and large windows perfect for gazing out upon majestic views. Primary bedroom with en-suite bathroom offers Turn-key ready. HOA allows for short term rentals making this furnished home a wonderful second home for getaways or rental income. Agents/buyers to verify all information. Listing agent is related to seller. Siding was replaced 2026. Furniture to convey at close of escrow in separate bill of sale for $0 and will remain in home.

6583 W Ruin Hill Loop --, Pine
$345,000
3 Beds ⋅ 2 Baths ⋅ 7081423 MLS ⋅ 1,344 SqFt.
NEW CONSTRUCTION & NO HOA -- TURNKEY MOUNTAIN LIVING. Be the first to occupy this newly completed 3-bed, 2-bath, 1,344 sq ft residence on a fully usable, unrestricted parcel just 5 minutes northeast of Payson. Bring your horses, livestock, RV, and trailers--zero HOA restrictions. Perfectly positioned as a low-maintenance primary home, mountain retreat, or high-performing short-term rental. The open-concept layout features 9-foot flat ceilings and upgraded laminate flooring. The chef's kitchen is equipped with 42'' solid hardwood cabinetry, a 36'' commercial-grade range hood, and Samsung stainless appliances. The primary suite includes a walk-in closet and dual-vanity ensuite. Just minutes from premier hiking, trout fishing, and endless ATV trail systems. Engineered for modern efficiency, this all-electric home is built with a high-performance thermal envelope. Features include argon gas low-E double-pane windows, advanced insulation, a Carrier high-efficiency heat pump, and full LED lighting throughout. Additional amenities include a dedicated laundry room, ceiling fans, and an expansive covered front porch designed to capture mountain breezes.

8162 W Apache Drive, Payson
$649,000
3 Beds ⋅ 3 Baths ⋅ 7081393 MLS ⋅ 1,548 SqFt.
Mountain living without the mountain project. Set behind the gates of The Portals in Pine, this extensively renovated 3 bed, 3 bath mountain retreat offers 1,548 SF of turnkey living with dramatic views and privacy. Soaring ceilings and a wall of glass frame the mountain landscape. The enlarged kitchen is completely remodeled with new cabinetry, countertops and appliances, and all 3 bathrooms have been fully renovated. The finished walkout lower level adds a 3rd bedroom, full bath, laundry and storage, with an 8 ft glass slider opening to mountain views. Major improvements include new window coverings, a new roof, new septic system and new whole house HVAC with central heating and cooling. Gated, private and move in ready.

6075 W Pinon Way, Pine
$598,500
3 Beds ⋅ 2 Baths ⋅ 7081149 MLS ⋅ 1,806 SqFt.
Amazing location! Nestled on 0.33 acres and surrounded by beautiful trees and foliage, this home offers exceptional privacy that is hard to find in town. The peaceful backyard feels like your own private retreat. Inside, you'll ?ind a completely remodeled kitchen featuring upgraded appliances, quartz countertops, new cabinetry, and a pantry with a charming coffee bar. The great room features new luxury vinyl plank ?looring and a cozy gas fireplace. Additional updates include a beautifully remodeled guest bathroom and a new roof. The split floor plan provides added privacy, while the spacious primary suite offers two walk-in closets. You'll love this one!

823 W Overland Road, Payson
$329,000
2 Beds ⋅ 2 Baths ⋅ 7080890 MLS ⋅ 909 SqFt.
Welcome home to your adorable cottage in the pines! This two bedroom, two bath home is perfect for full time residents, a vacation home, or a rental! There is no HOA and it is situated on a quiet cul-de-sac. There are gorgeous mature trees and elk stroll by almost daily. This well maintained site built home offers a cozy gas fireplace, TWO large storage units in the back yard and a brand new pergola & gazebo. New washer and dryer, new refrigerator, and newer water heater too! The roof was just replaced in 2021 and it was freshly painted in 2023.

902 N William Tell Circle, Payson
$1,875,000
5 Beds ⋅ 5 Baths ⋅ 7080779 MLS ⋅ 3,857 SqFt.
This meticulously maintained 5-bedroom, 4.5-bath home in The Golf Club at Chaparral Pines offers exceptional comfort, privacy, and an abundance of indoor and outdoor living spaces. Built in 2008 and spanning 3,857 square feet, the home features an open-concept design with warm colors, inviting finishes, and luxurious wood flooring throughout most living areas. The chef's kitchen is equipped with a Viking cooktop, while the main level offers two bedrooms, including a remodeled primary suite bathroom. Downstairs, discover three additional bedrooms, two bathrooms, a game room that could easily serve as a media room, and a spacious bonus room currently used as an additional bedroom. Outside, enjoy a private setting overlooking the short-game area, with golf-course views from the expansive deck. The outdoor living spaces are truly exceptional, featuring a front sitting patio with a water feature, a rear paver patio with a built-in grill and fire pit, and a hot tub. The completely fenced outdoor area offers multiple gathering spaces for entertaining, relaxing, and enjoying the peaceful surroundings. Additional highlights include owned solar, ev charger, a security system, and convenient proximity to club amenities. This home offers the opportunity to enjoy spacious mountain golf living with room for everyone and exceptional spaces to make lasting memories. It should have about all you need for the complete offering for you, your friends and family. The lot directly across the street from the home can also be acquired from the seller for additional privacy.

2414 E Scarlet Bugler Circle, Payson
$475,000
3 Beds ⋅ 2 Baths ⋅ 7080660 MLS ⋅ 1,336 SqFt.
Beautifully remodeled and ideally located directly across from Rumsey Park in one of Payson's most desirable neighborhoods! This move-in ready 3-bedroom, 2-bath home features a stunning updated kitchen with crisp white cabinetry, granite countertops, herringbone tile backsplash, stainless steel appliances, and wood-look flooring. Both bathrooms have been beautifully renovated with fully tiled, remodeled showers and updated finishes. Enjoy comfortable living spaces, a covered front porch, mature trees, and low-maintenance landscaping--all just steps from Rumsey Park's recreational amenities and open space. Beautifully updated, exceptionally located, and ready to welcome you home!

817 W Payson Parkway, Payson
$925,000
4 Beds ⋅ 3 Baths ⋅ 7080640 MLS ⋅ 2,085 SqFt.
Gorgeous single-level home built in 2020, ideally situated on 5 acres within town limits in Payson! Offering 2,085 sq. ft. of thoughtfully designed living space, this 4-bedroom, 3-bathroom home features a desirable split floor plan, private well, durable metal roof, and an attached 2-car carport with potential for easy conversion into a garage. Plans are also available for a future 60x40 detached garage--perfect for additional storage, a workshop, or recreational toys. Step inside to a bright and inviting living room with vaulted ceilings, surround sound, luxury vinyl plank flooring, and a cozy wood-burning fireplace--ideal for enjoying cooler mountain evenings. The open-concept kitchen is designed for both everyday living and entertaining, complete with granite countertops, a breakfast

1206 E Bolivar Street, Payson
$2,580,000
4 Beds ⋅ 3 Baths ⋅ 7080397 MLS ⋅ 5,500 SqFt.
PREPARE TO BE IMPRESSED! Located in the unparalleled Rim Golf Club featuring the magnificent Wisekopf-Morrish designed golf course, this extraordinary home absolutely exudes the finest quality workmanship throughout the 5,500 sq. ft. of space. The design and construction of the home is paramount with the owner's wishes! The home is perfect for entertaining family and guests for dinner in a beautiful dining room, with luxurious accomodations for over night and extended stay. The floor plan of the home is exceptional! The great room enjoys terrific views of the Stewart Mountains (Granite Dells) and Yerba Senta to the southeast. The large floor to ceiling windows provide natural abundant year round light with Arizona clear blue skies, summer thunder storms, and soaring birds and w wildlife. The luxurious black walnut wood flooring heightens the mountain feel kitchen, great room, and dining room. The four large bedrooms have ensuite bath rooms and all have adjoining private patios or deck space. Extra rooms include a breakfast nook aside the kitchen, an entertainment room featuring a top of the line pool table, a studio/office/work area, and unimaginable storage space. The trex decking and stone flooring enjoys large outdoor patios and decks for exceptional quiet and pleasant outdoor time. The entire home experience provides a most intimate lifestyle. The kitchen features two walk-in pantrys, a sub-zero refridgerator/freezer, two dishwasher's, two Dacor ovens, a six burner gas range, a large island with super storage, and a dumbwaitor to assist with groceries. The primary bedroom enjoys a divine bathroom and an exrra large walk-in roomy closet. The oversized covered decks above and below are percect for enjoying the outdoor weather rain or shine in Payson's enviable most perfect year round climate. Dual driveways complement the oversized garage that has incredible storage space and a golf cart extension area. The estate lot exceeds an acre in size with a forest feel setting. OH, did I fail to mention, ALL FURNITURE IS INCLUDED IN THE SALE, TOGETHER WITH DISHES, GLASSWARE, LINENS, ETC. ETC. , AND, the EZ-GO GOLF CART TOGETHER WITH THE CHARGING STATION. The golf cart is in perfect condition and sports a lithium battery, head lights, turn signals, and is ''Road Ready'', perfect for the golf course and tooling around the neighborhood. ''NOT FOR SALE'' - INCLUDES ALL ART WORK, PAINTINGS, WALL HANGINGS, FAMILY HEIRLOOMS, CERTAIN BOOKS, ,ETC., ETC. Owner may consider selling certain art work separately and outside the sale of real estate

2302 E Rim Club Drive, Payson
Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.