Payson Homes with FHA New Financing

Payson Homes with FHA New Financing

Welcome to Payson, Arizona, a charming town nestled in the heart of Gila County, where the beauty of nature meets the comfort of community living. Known as the "Gateway to the Rim," Payson is surrounded by breathtaking landscapes, including the majestic Mogollon Rim and the serene Tonto National Forest. With its mild climate, abundant outdoor activities, and vibrant local culture, Payson is a haven for families, retirees, and outdoor enthusiasts alike.

As you explore the real estate market in Payson, you'll find a variety of homes that cater to diverse lifestyles and budgets. One of the most appealing options for prospective buyers is the availability of homes with FHA new financing. This financing option is designed to make homeownership more accessible, especially for first-time buyers or those looking to invest in a second home in this picturesque area. With lower down payment requirements and flexible credit guidelines, FHA loans can open the door to your dream home in Payson.

Imagine waking up to the crisp mountain air, with stunning views right outside your window. Whether you prefer a cozy cabin in the woods, a modern family home, or a charming bungalow in a friendly neighborhood, Payson has something for everyone. The local community is warm and welcoming, with a range of amenities, including parks, shops, and dining options that reflect the town's unique character.

Discover the beauty and tranquility of Payson, Arizona, where your dream of homeownership can become a reality with FHA financing. Embrace the lifestyle you've always wanted in this enchanting mountain town!

Newest Payson Homes with FHA New Financing

$449,000
3 Beds ⋅ 4 Baths ⋅ 7061308 MLS ⋅ 2,096 SqFt.
Enjoy mountain living with scenic views in this 3-bedroom, 4-bathroom home located in the desirable community of Payson, Arizona, just moments from Green Valley Lake. Designed for comfort and privacy, each bedroom serves as its own private suite, complete with a dedicated bathroom and walk-in closet, making this home ideal for guests or multi-generational living. The spacious floor plan features a welcoming living area with a cozy gas fireplace, a perfect gathering space during cooler mountain evenings. The primary suite includes a sitting room, a large walk-in closet, and a luxurious ensuite bathroom with a jetted tub. An additional room off the garage offers flexibility for a home office, hobby room, fitness space, or extra storage. Large windows with energy-efficient three-pane glass bring in natural light while enhancing year-round comfort. Ceiling fans are installed throughout the home, and recent updates include new windows installed approximately two years ago, a new refrigerator and washing machine in 2026, a newer hot water heater, and a roof replaced in 2024. Outdoor living is just as impressive with a spacious patio and 2 balconies that capture sweeping city and mountain views. HOA-maintained landscaping allows for low-maintenance living, giving you more time to enjoy the surrounding area. Located close to Green Valley Lake, shopping, dining, and essentials, this home has a functional layout, thoughtful updates, and an exceptional location in one of Payson's most desirable neighborhoods.

800 S Montana Drive, Payson
$345,000
4 Beds ⋅ 2 Baths ⋅ 7061144 MLS ⋅ 1,152 SqFt.
Discover mountain living at its finest in the highly desirable Woodland Meadows community of Payson. Nestled among towering pines on a quiet cul-de-sac, this beautifully maintained home offers the peaceful lifestyle you've been dreaming of--where cool mountain air replaces triple-digit temperatures and local deer are frequent visitors right outside your back door. Just 90 minutes from the Valley, this home is the perfect full-time residence, weekend retreat, or summer escape. Spend your mornings on the back patio with coffee as wildlife wanders through the neighborhood, and your evenings enjoying crisp mountain air beneath Arizona's stunning star-filled skies. Inside, you'll find a thoughtfully designed floor plan with spacious living areas, abundant natural light, and numerous updates.

124 S Birchwood Circle, Payson
$950,000
5 Beds ⋅ 3 Baths ⋅ 7061119 MLS ⋅ 2,587 SqFt.
Enjoy breathtaking views from this versatile 2.2-acre horse property featuring a 2,587± sq. ft. home with a private guest house and an attached 3-car garage. The main home offers a split floor plan with 3 bedrooms and 2 baths, including a spacious primary suite with an en-suite bath, separate tub and shower, and private access to the covered patio. The great room features custom Mesquite wood flooring and opens to a well-appointed kitchen with granite countertops, gas range, pantry, center island, and breakfast bar. The attached guest house has its own private entrance and includes 2 bedrooms, 1 bath, a family room, and a kitchenette with refrigerator, stove, and microwave--ideal for guests or multi-generational living. Outside you'll find a horse pen, a dog run, room for RV parking and all your toys, plus plenty of space to enjoy the beautiful surroundings. The spacious 3-car garage provides ample room for vehicles, storage, or workshop space. Two separate A/C units provide independent comfort for the main home and guest house.

1905 N Conifer Circle, Payson
$449,000
3 Beds ⋅ 2 Baths ⋅ 7060783 MLS ⋅ 1,523 SqFt.
Move-in ready and in true mint condition! This beautifully maintained single level NO HOA, 2-bedroom, 2-bathroom home also features a versatile office/den, perfect for remote work or a quiet retreat. A charming walkway welcomes you inside, where rich flooring flows throughout an open, light-filled living area. The updated kitchen impresses with a stylish island, tile backsplash, and stainless-steel appliances, opening to a cozy breakfast nook with deck access ideal for morning coffee or evening sunsets. The primary suite offers a private en-suite bath and plenty of natural light, while a second spacious bedroom and dedicated office/den add valuable flexibility. The oversized 2-car garage provides extra storage and workspace. Tucked away in a peaceful, tree-lined setting, this home is a true gem!

1105 N Bavarian Way, Payson
$500,000
3 Beds ⋅ 2 Baths ⋅ 7060149 MLS ⋅ 1,632 SqFt.
Check out this gorgeous single family home just listed in the highly desirable Trailwood Community in Payson! HUGE corner lot, Single Story Home, No Interior Steps, 2 Car Garage, Closed-In Front Porch, Granite Kitchen Countertops, Stainless Steel Appliances, Gas Range, Newer HVAC, Rustic Pellet Stove, 9 Foot Ceilings, Covered Back Deck, Private Backyard, New Automated Front Drip System, Plenty of Storage and so much more! No HOA! Home has been meticulously maintained. Starlink Internet Equipment is paid in full and conveys with the sale. Optional monthly rate of approx. $120/mth. Murphy Bed in the second bedroom conveys. Vacant and available to show anytime! This home is a must see!

307 N Lakeshore Road, Payson
$665,000
3 Beds ⋅ 3 Baths ⋅ 7060043 MLS ⋅ 2,304 SqFt.
Mountain Views • Private Setting • Flexible Living Space Nestled in one of Payson's most desirable neighborhoods, this beautifully maintained mountain home offers the perfect combination of privacy, comfort, and spectacular views. Surrounded by custom homes and abundant wildlife, you'll enjoy peaceful mornings with elk wandering through the neighborhood and breathtaking sunrises and sunsets from both the front and rear decks. The home features 2,304 square feet with 3 bedrooms and 3 full bathrooms on a generous 0.47-acre lot. The upper level serves as the primary living area with an open, warm mountain-cabin feel highlighted by tongue-and-groove pine throughout. The lower level includes a private bedroom, full bath, family room, and separate entrance--ideal for guests, extended family, a home office, or multigenerational living.

1103 S Stewart Pocket Circle, Payson
$284,900
3 Beds ⋅ 2 Baths ⋅ 7059935 MLS ⋅ 1,456 SqFt.
Move right into this immaculate 3-bedroom, 2-bath home in the heart of Payson! Designed with a desirable split floor plan and an open great room concept, this home offers comfortable living with plenty of space to entertain. The spacious kitchen features a breakfast bar, two pantries, and abundant cabinet storage, making it the perfect gathering place for family and friends. Enjoy Payson's beautiful weather from the welcoming covered front porch or relax on the large covered back patio overlooking the expansive fenced backyard. The property also includes multiple outbuildings, a separate workshop or craft room, and a carport, providing plenty of space for hobbies, storage, and outdoor living. This move-in-ready home has been exceptionally maintained and features numerous major upgrades, including a new A/C and furnace (2016), replumbed with PEX (2018), new flooring throughout (2019), a new roof (2023), and a new water heater (2025), offering peace of mind for years to come. Furniture is negotiable, making this an outstanding opportunity whether you're looking for a full-time residence or a mountain getaway. Don't miss this beautiful Payson property with room to live, work, and play!

613 W Arabian Way, Payson
$489,000
3 Beds ⋅ 2 Baths ⋅ 7059757 MLS ⋅ 1,344 SqFt.
Views! No HOA! Vacation Rentals Allowed! Large front yard with parking room for your RV and all of your toys. Tucked in a very quiet Payson neighborhood, this Completely updated home home on a mountainside is ready to be your mountain town dream. Enjoy Fantastic views of the Mogollon Rim from a large wrap around deck. The North facing deck is large enough for outdoor patio furniture, gas fire pits, outdoor dining, BBQ and Smoker This 3 bedroom 2 bath home has many updated features: New roof 2024, New Commercial grade Luxury Vinyl flooring, Kitchen Cabinets, Baseboards and trim, Painted inside and out in 2026. Updated tile Shower on second floor, Newer backsplash and industrial shelving in the kitchen. Wide 2 car garage with workspace. Storage shed on the side. Owner is a licensed realtor in the state of Arizona.

313 E Pine Street, Payson
$425,000
3 Beds ⋅ 1 Baths ⋅ 7059510 MLS ⋅ 1,188 SqFt.
Charming farmhouse-style retreat on a private, oversized lot in Star Valley! Tucked behind a fenced and gated entry, this eye-catching home features a vibrant blue metal roof, dormer windows, and a covered front porch with classic white columns. Inside, rich cherry cabinetry, granite countertops, and stainless steel appliances make the kitchen a standout, flowing effortlessly into an open dining and living area with warm wood-look flooring throughout. main level spacious primary suite offers private patio access, The updated bathroom shines with a jetted tub and elegant fixtures. while additional bedrooms upstairs boast vaulted ceilings and charming dormer nooks perfect for an office or reading corner. Step outside to your own private oasis paver patio, artificial turf play areas, and a detached workshop/garage with its own metal roof, all set on a spacious lot with mature trees for ultimate privacy that provides plenty of room for all the toys. Whether you're entertaining, relaxing, or working on your next project, this backyard has it all. Move-in ready with designer touches throughout, this is the perfect blend of comfort, character, and space.

10 E Mars Lane, Payson
$440,000
3 Beds ⋅ 3 Baths ⋅ 7058389 MLS ⋅ 1,943 SqFt.
Charming 2-story home, built in 2000 with 1,943 sq ft of living space in the desirable Trailwood Subdivision, the main floor has primary bedroom with large walk-in closet and ensuite, formal dining room, formal living room with fireplace, large kitchen with pantry, upstairs are 2 more large bedrooms with large walk-ion closets, jack-n-jill bathroom, oversized 2-car garage with work shop area, covered screened-in deck off the back were you can enjoy the beautiful mountain views.

210 N Stagecoach Pass, Payson
$507,500
3 Beds ⋅ 2 Baths ⋅ 7058333 MLS ⋅ 1,618 SqFt.
In a highly sought after Heart of Payson location, this completely remodeled single level mountain home sits on a flat corner lot with no HOA! This split floor-plan 3-bed 2-full bath features a spacious primary with its own external sitting room and exit, a brand new walk-in shower, garden tub, and custom walk-in closet. There is a beautiful gas fireplace in the great-room area along with plantation shutters and sliding doors leading you to a full length rear patio. The custom landscape package is perfect for 4 season entertainment or a peaceful morning cup of coffee. The large eat-in kitchen area features beautiful plantation shutters and solid surface counter space with a breakfast bar. The laundry room is off kitchen leading out to a garage with built in shelving and a rear service door

305 N Trailwood Road, Payson
$335,000
3 Beds ⋅ 2 Baths ⋅ 7057970 MLS ⋅ 1,152 SqFt.
Step into this cute furnished, turnkey cabin backing onto scenic Webber Creek & National Forest. Nestled among tall pines with seasonal creek views, this property offers cool mountain living just a short drive from Phoenix. This 3-bedroom, 1.5-bath cabin is 1152 sq. ft. & features an open layout with warm wood finishes, pine tongue-and-groove walls, and a comfortable living and dining space designed for relaxing or hosting. The main level includes the primary bedroom, full bath, and laundry, while upstairs offers two spacious bedrooms, a half bath, and room for multiple guests. Enjoy outdoor living on the covered front porch or in the 6,970-square-foot lot fully fenced with gated entry, rear deck, fire pit & patio. Well-maintained with recent improvements including a new large storage shed & concrete foundation panels. Located near Pine/Strawberry, Water Wheel and Ellis Falls, Washington Park, with easy access to hiking, fishing, and outdoor recreation. Move-in ready--just bring your suitcase. Ideal as a weekend escape, vacation rental, or full-time mountain home. List of Upgrades: 1. Fence and large gate surrounding property: $14,500 2. New large shed with insulation installed: $9,200 4. New cement board enclosed crawl space: $3,000 4. One ton of Landscaping Granite, Flagstone Step Stone path, Redwood mulch for a yard makeover: $2,640. 5. Washer & Dryer: $1,800 6. Repairs on exterior, repainted front and back porch: $1,500 7. New luxury vinyl flooring in kitchen and dining room: $1,200 8. Newly built walk-in closet upstairs: $800 9. New commode installed recently: $450 10. Freshly painted laundry room: $350 near Pine/Strawberry, Water Wheel, and Ellis Falls, Washington Park has easy access to hiking, fishing, and outdoor recreation. Peace of mind: this home is in proximity to the local fire department, and a municipal fire hydrant is only six houses away.

1285 W Paint Pony Drive, Payson
Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.