Flagstaff Homes with FHA New Financing

Welcome to Flagstaff, Arizona—a picturesque city nestled in the heart of Coconino County, where stunning natural beauty meets a vibrant community spirit. Known for its breathtaking landscapes, Flagstaff is surrounded by the majestic San Francisco Peaks and is just a stone's throw away from the iconic Grand Canyon. With a rich history deeply rooted in Native American culture and a thriving arts scene, Flagstaff offers a unique blend of outdoor adventure and urban charm.

The city enjoys a mild climate, with four distinct seasons that provide residents with a variety of recreational activities year-round. From skiing and snowboarding in the winter to hiking and biking during the warmer months, Flagstaff is a haven for outdoor enthusiasts. The downtown area is alive with eclectic shops, delightful eateries, and cultural events, making it a perfect place to call home.

For those looking to settle in this enchanting city, homes with FHA new financing options are available, making homeownership more accessible than ever. FHA loans are designed to help first-time buyers and those with lower credit scores secure a mortgage with lower down payments and more flexible qualifying requirements. This means you can find your dream home in Flagstaff without the burden of overwhelming financial hurdles.

Whether you’re drawn to the stunning natural surroundings, the rich cultural experiences, or the welcoming community, Flagstaff is a place where you can truly thrive. Explore the opportunity to make this incredible city your home with the help of FHA financing and start your journey in this Arizona gem today!

Newest Flagstaff Homes with FHA New Financing

$318,000

2 Beds ⋅ 2 Baths ⋅ 7079567 MLS ⋅ 952 SqFt.

Centrally located 2-bedroom townhome for sale in Flagstaff, Arizona, with Mount Elden views from the upstairs balcony. This move-in-ready home features a wood-burning stove and all appliances included. The central Flagstaff location puts you minutes from Buffalo Park, Flagstaff Urban Trail System hiking trails, historic downtown Flagstaff, Northern Arizona Healthcare, and Northern Arizona University. The HOA fee covers water, sewer, trash, and flood insurance -- a low-maintenance option for primary residents, second-home buyers, and investors alike. Buyer to verify all HOA details.

2200 E Dortha Avenue Unit T, Flagstaff

$994,000

4 Beds ⋅ 4 Baths ⋅ 7078418 MLS ⋅ 2,480 SqFt.

Welcome to your dream home in Rural Flagstaff! Built in 2020 on 2.5 fenced acres, this 2,480 sq ft residence offers privacy & modern comfort. The split floorplan features a primary suite on one side & two bedrooms with private baths on the other. An open-concept great room connects the living, dining & kitchen areas. An additional bedroom off the living room includes a half bath & works perfectly as an office or gym. Key highlights include: RV Hook ups for traveling guests. Energy Efficiency: Solar system to lower electricity bills. Comfort: Central A/C for summer months. Outdoor Living: Hot tub with mountain sunset views. Enjoy peaceful Doney Park living, just minutes from Flagstaff's shopping, dining, and outdoor recreation.

5085 Wade Lane, Flagstaff

$485,000

4 Beds ⋅ 3 Baths ⋅ 7077244 MLS ⋅ 1,654 SqFt.

Welcome home to this spacious 4-bedroom, 3-bath home in desirable Railroad Springs! Featuring a new roof just one year old, solar, central A/C, an instant hot water heater, and a new sliding glass door, this home is move-in ready. Enjoy a large, low-maintenance backyard perfect for entertaining, plus a 2-car garage with a built-in workbench and plenty of storage. Conveniently located just minutes from NAU, Downtown Flagstaff, shopping, dining, and easy access to Snowbowl. With 4 bedrooms and 3 full baths, this home offers incredible flexibility for families, college students, a second home, or investment property!

2461 W Coronado Avenue --, Flagstaff

$725,000

3 Beds ⋅ 2 Baths ⋅ 7076537 MLS ⋅ 2,322 SqFt.

PRICE REDUCED! 10095 Buckskin Court is where you can relax in peaceful solitude, enjoy privacy, and a gorgeous view of the Peaks! Sit on the front deck under the maple tree that the owner planted years ago, and HORSES are welcome! Enjoy watching the birds, gazing at the scenery, and breathing in the cool mountain air. Circular drive for easy in and out access, 2 car garage plus horse barn! EXTRA ROOM ABOVE GARAGE. Enjoy the large back deck overlooking National Forest. Cook dinner in the remodeled kitchen with high-end granite, induction stovetop for quick heat, a built-in microwave, walk in pantry, wine glass rack, all stainless steel appliances, and radiant in-floor heat. Sooth your body in the jacuzzi room just off the kitchen. And don't miss the gazebo out front! Loft above living room could be useful office space. Bamboo flooring in living room, newly updated hallway bathroom with a new countertop and sinks, and river rock shower floor. Tile floor in primary bedroom, carpet in additional bedrooms, and wood blinds in sewing room. Gas grill on deck conveys with home. It's OK to nurture your need to escape city congestion, and this home is the place to do it! See this beauty today!

10095 Buckskin Court, Flagstaff

$752,900

3 Beds ⋅ 2 Baths ⋅ 7076475 MLS ⋅ 2,048 SqFt.

9907 Heritage is country living at it's finest! Views of the Peaks, and peace,and privacy abound. NEW ROOF AND WINDOWS in 2025. Fully remodeled kitchen in 2022 with new cabinets, granite countertops, & stainless steel appliances. Large primary bedroom with completely remodeled bath, and an alcove off the bedroom for hobbies. NEW WATER HEATER, BEDROOM CARPET, AND NUVO WATER SYSTEM IN 2024. Wood burning stove in family room to stay cozy in the winter months, and central A/C to stay cool in the summer! RV parking and outlet, & generator hook up. Enjoy the large yard with your furry friends. Back yard, includes a rock feature, & shed installed in 2022. Home includes water filtration system, separate laundry room, large second bath, & split floor plan. See this beauty today!

9907 Heritage Drive, Flagstaff

$489,900

2 Beds ⋅ 1 Baths ⋅ 7076357 MLS ⋅ 909 SqFt.

Unobstructed views of Humphreys Peak from the expansive covered rear deck -- Arizona's highest summit on the horizon at sunset. Authentic 1960 log cabin in Mountainaire, 15 minutes to downtown Flagstaff and minutes to trails, lakes and national forest. Warm wood interiors, a wood-burning stove, and a sunny breakfast nook. Systems and structure extensively updated: new dual-pane low-E windows throughout, updated electrical, added plumbing with indoor washer and dryer, reinforced foundation, new baseboard heaters (no air conditioning, as is typical at this elevation), refreshed exterior paint, new perimeter fencing and improved landscaping. Roof updated 2018. No HOA. Flood Zone X. Short-term rentals permitted and operating today -- most furnishings convey by separate bill of sale, so a buyer steps into a turnkey retreat or a running rental from day one. A proven getaway, not a project. Not just a home in Flagstaff--this is the Northern Arizona cabin experience.

945 Osage --, Flagstaff

$395,000

2 Beds ⋅ 2 Baths ⋅ 7076305 MLS ⋅ 1,104 SqFt.

Enjoy clear San Francisco Peaks views from this bright 2 bedroom condo in Central Flagstaff. High 10 foot ceilings and large windows create an open, sunny living space. The split bedroom layout offers great privacy for both rooms, making it a practical setup for guests, roommates, or a home office. Outside, the quiet community features grassy green spaces, mature pine trees, and covered parking. You are just minutes from Downtown Flagstaff, Northern Arizona University, Flagstaff Medical Center, and local hiking trails. Whether you want a primary residence, a low maintenance second home to escape the desert heat, or a fully-furnished rental investment, this central location delivers the best of high country living.

1401 N 4th Street Unit 233, Flagstaff

$549,000

2 Beds ⋅ 3 Baths ⋅ 7075980 MLS ⋅ 1,801 SqFt.

Have you wanted to live in Continental Country Club overlooking the 1st green!? This is a rare opportunity! This 2-bedroom, 2.5-bath Saddleback Lodge townhome offers 1,801 SF with amazing views of the 1st, 2nd and 9th holes. Step onto the Trex deck for a front-row seat to the course, and golf chatter. Inside are generous living spaces that offer the opportunity to make the home your own. A 2-car garage adds convenience, while Continental Country Club amenities include a pool, pickleball and tennis courts, fitness center and more. Close to trails, dining and downtown Flagstaff, this is an exceptional opportunity for a full-time residence, second home or mountain golf retreat in one of Flagstaff's most established golf communities with golf literally at your doorstep.

2900 N Saddleback Way Unit 59, Flagstaff

$1,199,000

4 Beds ⋅ 3 Baths ⋅ 7075611 MLS ⋅ 3,242 SqFt.

Spectacular 4-bedroom, 3-bathroom home w/ 3 car garage offering 3,200+ sq.ft. of thoughtfully designed living space backing 640 acres of wooded state trust land. Covered Trex deck wraps around the home, creating an exceptional outdoor setting for relaxing, entertaining, & enjoying the surrounding treed natural beauty. The living room features towering vaulted ceilings, live-edge wood beams, surround sound, & large windows that flood the space w/ natural light. The spacious primary suite includes an oversized walk-in closet & additional closet for ample storage. The recently updated primary bathroom includes dual sinks & tiled walk-in shower. A 300+ sq.ft. bonus room w/ gas stove provides flexible space for a family room, hobby area, or pub room. With generous living space, thoughtful updates, abundant storage, & unparalleled backdrop of wooded open land, this home offers a rare combination of comfort, functionality, & privacy. Conveniently located near grocery stores, hiking trails, restaurants, shopping and close proximity to downtown Flagstaff. Also, the storage is exceptionally abundant throughout this home, with clever built-ins and dedicated spaces including a shelved room in the garage, closets incorporated into the staircase, cabinets in the laundry room and 2 linen closets this home truly has a place for everything. Additional features include metal gutter guards, new modern insulated garage doors with windows, fenced dog run, heated driveway and located at the end of a cul-de-sac.

2270 N Colter Drive, Flagstaff

$765,000

4 Beds ⋅ 2 Baths ⋅ 7074683 MLS ⋅ 1,743 SqFt.

VIEWS, VIEWS & MORE VIEWS! Add Coconino National Forest, A/C, Doney Park Water, and 2.5 acres, and you have a rare opportunity to own an exceptional mountain property where spectacular views, modern comfort, and an unmatched setting come together. Designed to capture its incredible setting, the expansive covered porch becomes an extension of the home--offering front-row views of the San Francisco Peaks, peaceful mornings with coffee, spectacular summer monsoon skies, and unforgettable star gazing. A private rear paver patio provides an additional outdoor gathering space perfect for entertaining family and friends. Inside, 10-foot ceilings and a thoughtfully designed split floor plan create a spacious, comfortable feel. The open great room features a wood stove and flows seamlessly into... the kitchen, while a formal dining room provides additional space for entertaining and the 4th bedroom gives even more flexibility. New LVP, range, dishwasher and interior paint - all in August 2026 - round out the interior amenities. The Garage was also thoughtfully designed with a usable Loft which can be extended for even more space, a garage door that opens vertically, and extra work/storage space. Last but not least, need more space or have ideas to expand? Check out the crawlspace and let your imagination run wild!

9013 Beasley Road, Flagstaff

$495,000

3 Beds ⋅ 2 Baths ⋅ 7074028 MLS ⋅ 1,891 SqFt.

2388 W Rock Island is the 3 bedroom, 2 bath (with an office or a nursery) home that you have been looking for. Situated on a quiet street with a huge backyard, this house is move in ready. With stainless appliances, granite countertops, fresh interior paint, a large primary bath with dual vanities and lots of storage, this house is perfect for a family! The garage is oversized and there is a mud room for your dog or the kids and their backpacks

2388 W Rock Island Avenue, Flagstaff

$769,000

3 Beds ⋅ 2 Baths ⋅ 7073431 MLS ⋅ 1,908 SqFt.

Never before on the market, this lovely 3-bedroom, 2-bath home offers a rare opportunity in the desirable Continental Country Club community. Situated on an exceptional .3-acre corner lot, this single level home enjoys nice views, and gorgeous professionally landscaped grounds. The focal point of the home is the spacious living room, featuring dramatic vaulted, beamed ceilings, a stunning wood-burning fireplace, and huge windows that bring in abundant natural light while showcasing the surrounding views. The primary bedroom has his and hers closets and a door out to the deck to enjoy morning coffee or provide a relaxing retreat. There are two spacious guest bedrooms and a large guest bath with dual vanities. The deck extends the living space outdoors and provides the perfect setting for entertaining or simply relaxing and enjoying Flagstaff's beautiful scenery. Well cared for and priced to allow for your personal updates and vision, this is an exceptional opportunity to create your dream home in one of Flagstaff's most sought-after locations.

5801 E Ridge Drive, Flagstaff

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