Todd Uzzell
NMLS #1525192 | Starboard Financial NMLS #156931
20+ years Arizona lending. Specializing in FHA, VA, USDA, Conventional, and Down Payment Assistance loans for Camp Verde homebuyers, first-time buyers, and growing families.
Call 480-330-1724
Welcome to your trusted local mortgage resource in Camp Verde, Arizona. At Todd Uzzell Mortgage, I specialize in helping families, first-time buyers, and investors secure the right home loan, with the local knowledge and personal service that a smooth lending process requires.
Why Camp Verde for Your Arizona Home?
Camp Verde sits in the scenic Verde Valley, a short drive from Sedona and Cottonwood, offering a quieter small-town lifestyle with easy access to the region's outdoor recreation and cultural attractions. The community appeals to families seeking affordability, natural beauty, and proximity to world-class hiking, river recreation, and entertainment. Camp Verde's character, growing amenities, and central location in the Verde Valley make it an ideal choice for buyers seeking balance between small-town living and regional access.
Loan Programs I Offer
Living in Camp Verde, AZ
Camp Verde is home to Fort Verde State Historic Park, showcasing Arizona's military heritage, along with the scenic Verde River offering year-round water recreation including swimming, fishing, tubing, and kayaking. The community features growing retail and dining options, nearby Verde Valley wine country, and gateway access to Sedona's red rocks and mountain activities. Residents enjoy outdoor lifestyle, small-town community events, and proximity to one of Arizona's most vibrant regions.
Camp Verde Mortgage Questions
How much down payment do I need to buy a home in Camp Verde, AZ?
It depends on the loan program. FHA loans require as little as 3.5% down, conventional loans can go as low as 3% for qualified first-time buyers, and VA loans offer 0% down for eligible veterans. Arizona down payment assistance programs like Home Plus and Home in Five can reduce this further.
What loan programs are available for Camp Verde homebuyers?
Camp Verde buyers can choose from Conventional, FHA, VA, USDA, Jumbo, Non-QM, and Hard Money loan programs, along with Arizona down payment assistance programs, depending on credit score, down payment savings, and the type of property.
Why work with a local Camp Verde mortgage lender instead of a national call center?
A local lender understands Arizona-specific programs, the local real estate market, and can often respond faster with personalized guidance, compared to a national call center handling loans in dozens of different states.
What is Camp Verde known for?
Camp Verde sits in the scenic Verde Valley, home to Fort Verde State Historic Park, the Verde River with outdoor recreation, and nearby Verde Valley wine country. The community offers a quieter lifestyle with easy access to Sedona, Cottonwood, outdoor activities, and cultural attractions.
Can I get a mortgage with bad credit in Camp Verde?
Yes. Portfolio loans and manual underwriting programs allow credit scores as low as 560. We specialize in credit repair referrals and finding options for non-traditional credit profiles.
How long does it take to close on a home in Camp Verde?
A typical mortgage closes in 30-45 days from pre-approval to closing, depending on appraisal timing and document responsiveness.
Start Your Mortgage Journey Today
Ready to make Camp Verde your home? Let's find the right mortgage solution for your situation, whether you're buying your first home, refinancing, or investing.