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Need help with ANY AZ Mortgage or Down Payment Assistance Programs in AZ?

We can help you get qualified for ANY AZ mortgage so you can buy a home including the several Down Payment Assistance Programs in AZ!   There are a few First Time Home Buyer Programs in AZ as well!! Which mortgage program is best for you?  What program will get you the best payment?  Are you looking for an FHA Loan, VA Loan, USDA Loan, Jumbo Loan or a Conventional Loan?  We're here to help get you the most up to date mortgage rates in Arizona with the best payment that fits your situation!

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AZ Conventional Loan Down Payment Assistance Program

The Arizona Conventional Home Plus home loan program is very popular because it offers assistance that can be used for down payment and/or closing costs equal to as much as 5% of the mortgage loan.

The main advantage to a conventional loan is that there is more flexibility related to mortgage insurance. Conventional loans require mortgage insurance if your down payment is less than 20%; however, you have the option of removing it in the future.

Another benefit is that mortgage insurance is typically cheaper with a conventional loan than it is with a FHA loan. So, your payments could be lower.

Arizona Conventional Home Plus Program Highlights

  • Down payment assistance options between 1% and 5%. You can choose what is best for you based on your loan scenario.
  • No first time home buyer requirement for most programs.
  • Qualified members of the U.S. military (active and Veterans) are eligible for an additional 1% of down payment assistance.
  • The money is consistently available.
  • The assistance money received is a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership. The lien is completely forgiven after you stay in the home for three years without refinancing. The purpose of the silent second is to provide stability and ensure the ongoing success of the Home Plus Assistance Program in Arizona.

Home Plus Fannie Mae HFA Preferred Loan Program

This program is derived from the Fannie Mae HomeReady program and is one of the Arizona conventional Home Plus loan programs offered. It is offered anywhere in Arizona.

Home Plus Freddie Mac HFA Advantage Loan Program

This program is derived from the Freddie Mac Home Possible Advantage program and is the other Arizona conventional Home Plus loan programs offered. It is offered anywhere in Arizona.

Additional Program Highlights:

  • The Home Plus Fannie Mae HFA Preferred Loan Program offers down payment assistance options between 1% and 5%. You can choose what is best for you based on your loan scenario.
  • The Home Plus Freddie Mac HFA Preferred Loan Program offers down payment assistance options between 1% and 5%.
  • Minimum FICO score is 640.
  • Maximum debt-to-income of 50%
  • Maximum income of $105,291

Is the Arizona Conventional Home Plus down payment assistance program right for you? Let’s find out.

HOMES WE CAN HELP YOU FINANCE

$275,000
2 Beds ⋅ 2 Baths ⋅ 7067994 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2327 E Mcarthur Drive, Tempe
$385,000
2 Beds ⋅ 3 Baths ⋅ 7067870 MLS ⋅ 1,132 SqFt.
Welcome to easy, worry-free living in this beautifully remodeled 2-bedroom, 2.5-bathroom townhome in East Mesa! Nearly every detail has been thoughtfully updated, creating a sleek, modern home that is truly move-in ready. The stylish kitchen features a striking white-and-black design, upgraded appliance package, black subway tile backsplash, and soft-close cabinetry. LVP flooring flows throughout the entire two-story home with no carpet anywhere! All bathrooms have been tastefully updated, complemented by fresh paint and modern light fixtures throughout. The custom laundry nook offers added storage with built-in cabinetry, and the washer and dryer convey. Step outside to a clean, low-maintenance patio featuring an extended paver area and fresh green turf, perfect for relaxing or entertaining without the upkeep. A recently replaced roof adds even more peace of mind, while the home has been meticulously cleaned from top to bottom. Enjoy an exceptional community lifestyle with a resort-style pool, parks and access to Augusta Ranch Golf Course. Plus, you'll love the convenient East Mesa location with easy freeway access, close proximity to Mesa Gateway Airport, and an abundance of shopping, dining, and entertainment nearby. Beautifully updated, low-maintenance and ideally located, this is the one you've been waiting for!

2024 S Baldwin -- Unit 76, Mesa
$369,000
2 Beds ⋅ 2 Baths ⋅ 7067853 MLS ⋅ 1,321 SqFt.
Welcome to this beautifully maintained Aria plan in the Resort Collection, offering an ideal blend of comfort, low maintenance living, and an unbeatable Encanterra location. Whether you are looking for a full time residence or the perfect winter escape, this home is designed for easy resort style living. Inside, tile flooring throughout creates a cohesive look while upgraded lighting adds warmth and style. The thoughtfully designed office alcove provides a convenient workspace without sacrificing living space, making it perfect for working from home or managing daily tasks. This home offers the lock and leave convenience seasonal residents love while still providing everything needed for comfortable full time living. A fantastic opportunity to enjoy the Encanterra lifestyle!

679 E Myrtle Pass, Queen Creek
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067835 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2321 E Mcarthur Drive, Tempe
$295,000
3 Beds ⋅ 3 Baths ⋅ 7067695 MLS ⋅ 1,255 SqFt.
DON'T MISS THIS UPGRADED 3 BEDROOM, 2.5 BATH TOWNHOME. NEWLY PAINTED THROUGHOUT. NEW FLOORS AND FAUCETS. NEWER APPLIANCES. NEW GARAGE DOOR. SMALL PATIO OPEN TO BACK COMMON AREA. COMMUNITY POOL AND CLUBHOUSE

125 S 56th Street S Unit 113, Mesa
$465,000
3 Beds ⋅ 3 Baths ⋅ 7067670 MLS ⋅ 2,059 SqFt.
Welcome home to Tre Vicino in Chandler! This beautifully upgraded, turnkey 3-bedroom + den, 2.5-bath home offers over 2,000 sq ft of stylish, low-maintenance living and a 3-car tandem garage with EV charging station. The bright, open floor plan features 9-foot ceilings, tile flooring throughout the main level, and a stunning kitchen with quartz countertops, oversized island, walk-in pantry, and beautiful balcony views. Enjoy the inviting front courtyard with fully landscaped, low-maintenance synthetic lawn--perfect for relaxing or entertaining. Upstairs, the spacious primary suite features a walk-in custom closet, dual vanity, and oversized shower. Abundant custom storage throughout and a premium lot that opens to a beautiful common area. Enjoy the inviting front courtyard with fully landscaped, low-maintenance synthetic lawn--perfect for relaxing or entertaining. Upstairs, the spacious primary suite features a walk-in custom closet, dual vanity, and oversized shower. Abundant custom storage throughout and a premium lot that opens onto a beautiful common area enhance the thoughtful design and privacy of this exceptional home. Located within the desirable gated Tre Vicino community, residents enjoy two sparkling pools, bocce and game courts, parks, playgrounds, and scenic walking paths. Conveniently located near the 101, 60, and 202, you're just minutes from Downtown Chandler, exceptional dining, shopping, and entertainment, and approximately 25 minutes from Sky Harbor Airport and ASU's Tempe campus. Turnkey, low-maintenance, and truly lock-and-leave. This is Chandler living at its best!

1255 N Arizona Avenue Unit 1339, Chandler
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067588 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2319 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067556 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2317 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067538 MLS ⋅ 852 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2311 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067497 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2313 E Mcarthur Drive, Tempe
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