Absolutely. While interest rates and housing inventory fluctuate, Queen Creek and the Phoenix Metro area continue to show long-term value thanks to steady job growth, expanding infrastructure, and strong demand from families relocating to Arizona. Communities like Queen Creek, Gilbert, and San Tan Valley offer buyers modern amenities, new construction options, and lifestyle appeal that remain attractive regardless of short-term market shifts. Our role is to help you decide based on your personal goals—not just today’s headlines.

Queen Creek has become one of the most desirable areas in the East Valley thanks to its small-town charm, excellent schools, and access to shopping, dining, and recreation. With new home communities, trails, parks, and proximity to Phoenix-Mesa Gateway Airport, it blends suburban comfort with convenient access to the broader Phoenix Metro job market. Buyers are drawn to Queen Creek’s strong resale values and future growth potential, making it a top relocation destination.

The Phoenix Metro housing market remains competitive due to ongoing population growth and limited resale inventory. Homes in areas like Queen Creek, Gilbert, Chandler, and Mesa often receive multiple offers, especially when priced correctly. Buyers who are pre-approved and ready to act quickly have the best chance of success. For sellers, high demand and strong buyer activity create opportunities to maximize return with the right pricing and marketing strategy.

Both options offer advantages. New construction homes in Queen Creek often come with builder incentives, energy-efficient features, and modern floorplans, which appeal to families and retirees alike. Resale homes may offer larger lots, established neighborhoods, and quicker move-in timelines. The right choice depends on your priorities—budget, timing, and lifestyle. Our team helps you compare both options and even negotiate builder incentives to save you money.

Selling a home in today’s Phoenix Metro market requires more than just listing it online. Success comes from accurate pricing, professional staging, digital marketing, and strong local exposure. In Queen Creek, buyers are especially looking for move-in-ready homes that highlight community amenities. With our proven marketing strategy—including exposure on DiscoverQueenCreek.com—we ensure your home reaches both local buyers and those relocating from out of state, helping you sell faster and for top dollar.

1 - FHA LOANS:

FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.

FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.

Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.

2 - VA LOANS:

VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.

Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.

3 - USDA LOANS:

You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.

Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.

Conventional loans are divided into two types: Conforming loans and non-conforming loans.

1 - CONFORMING LOANS:

Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.

The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.

Properties with more than one unit have higher limits.

2 - NON-CONFORMING (JUMBO) LOANS:

But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.

Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.

Rate types: Fixed-rate vs. adjustable-rate mortgages.

In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.

An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.