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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 ⋅ 7067461 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

2315 E Mcarthur Drive, Tempe
$409,900
3 Beds ⋅ 3 Baths ⋅ 7067429 MLS ⋅ 1,627 SqFt.
Prime Tempe location with the space, layout, and lifestyle buyers want. This well-maintained 3-bedroom, 3-bath townhome offers approximately 1,627 square feet, abundant natural light, and a highly functional two-story floor plan. A standout feature: each bedroom has its own private en-suite bath. The flexible layout includes a downstairs bedroom and full bath, ideal for guests or a home office, plus two en-suite bedrooms upstairs. Enjoy a private outdoor area, 2-car garage, and two community pools. Conveniently located near ASU, Tempe Town Lake, Mill Avenue, shopping, dining, light rail, Scottsdale, downtown Phoenix, and major freeways. A compelling primary residence, lock-and-leave option, or investment opportunity.

1530 S River Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067425 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

2341 E Mcarthur Drive, Tempe
$258,000
3 Beds ⋅ 2 Baths ⋅ 7067389 MLS ⋅ 1,118 SqFt.
Fresh, clean and truly move-in ready! Featuring new carpet, fresh interior paint, new stainless appliances and all new plumbing fixtures, this home has all the right updates already in place. The open-concept floorplan offers a true 3 bedrooms and 2 baths, with comfortable living spaces designed for everyday ease. Enjoy a private courtyard entry, covered parking and access to the community pool and hot tub. Primary bedroom features large walk in closet and vaulted ceilings. Property also features a storage room located off the private courtyard. Conveniently located near shopping, dining, parks and recreation, this is an ideal opportunity for a primary residence, seasonal getaway or lock-and-leave lifestyle.

625 S Westwood Street Unit 160, Mesa
$350,000
3 Beds ⋅ 2 Baths ⋅ 7067387 MLS ⋅ 1,450 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

2343 E Mcarthur Drive, Tempe
$350,000
3 Beds ⋅ 2 Baths ⋅ 7067365 MLS ⋅ 1,450 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

2339 E Mcarthur Drive, Tempe
$229,000
2 Beds ⋅ 2 Baths ⋅ 7067328 MLS ⋅ 944 SqFt.
Updated 2 Bdrm Townhome, 2 Fireplaces with Pool and Carport in Very Well-Maintained Development. Gourmet Kitchen with Granite Countertops/Bar, Stainless-Steel Appliances and Refrigerator. The Kitchen leads out to the Great Room with Vaulted Ceiling, Fireplace and New Plank Tile Floor. The Door Leads out to Private Fenced Patio for Front Door Living. The Master Bedroom has a Fireplace, Walk-In Closet with New Carpet. The Master Bath has Granit Countertops, New Sink, New Lighting and Mirrors. The Home has Inside Laundry, Large Outdoor Storage and Private Patio. New Paint, New Lighting, New Fans, and Plumbing Fixtures Throughout. Close Access to the 101 and 202 Freeways, 20 min from Airport, Close to Tempe Marketplace, Great Restaurants, Ball Parks and Old Town Scottsdale

510 N Alma School Road Unit 154, Mesa
$314,000
2 Beds ⋅ 2 Baths ⋅ 7067319 MLS ⋅ 1,128 SqFt.
Move-in ready and meticulously updated, this Questa Vista condo delivers the rare combination of modern finishes, low-maintenance living, and an unbeatable Tempe location -- all just minutes from ASU, Downtown Tempe, and Tempe Town Lake. Step inside to a fully reimagined kitchen featuring brand-new countertops, a new sink and faucet, and freshly refaced cabinetry with soft-close hinges and updated hardware throughout. Both bathrooms have been refreshed with new vanities, and the home is finished with all-new lighting -- including updated fixtures in the kitchen, bathrooms, and living room -- plus new light switches and kitchen-safe electrical outlets for true peace of mind. Comfort and efficiency were top of mind here too: a newer AC unit has cut summer utility costs nearly in half, a Nest smart controller puts climate control right at your fingertips. A newer water heater rounds out the major mechanical updates, so the big-ticket items are already done. Beyond the interior, enjoy thoughtful touches like a private balcony finished with tile flooring and greenery -- a perfect spot for morning coffee or evening downtime -- along with a new front door lock and handle set and refreshed bedroom hardware throughout. Located within the well-maintained Questa Vista community, this home offers effortless access to ASU, major employers, freeway systems, and everything Tempe's vibrant dining and entertainment scene has to offer. Whether you're a first-time buyer, an investor, or looking for a low-maintenance lock-and-leave lifestyle, this condo checks every box.

850 S River Drive Unit 2041, Tempe
$385,000
2 Beds ⋅ 3 Baths ⋅ 7067299 MLS ⋅ 1,184 SqFt.
Check out the unquestioned best value in all of Villagio. Boasting one of the few larger back yard lots, this unit is priced to sell. Check out the inviting open floor plan filled with wood-look flooring, abundant natural light. Spotless kitchen offers plenty of white cabinets adorned with crown moulding, built-in appliances, quartz counters, and a center island with a breakfast bar, perfect for casual dining or entertaining. Powder room is located on the main level for guests. Large primary bedroom provides a walk-in closet for easy organization and a private bathroom with a shower & tub combo. When it's time to unwind, relax under the covered patio, or take a refreshing dip in the Community pool.

280 S Evergreen Road Unit 1344, Tempe
$469,900
3 Beds ⋅ 3 Baths ⋅ 7067245 MLS ⋅ 1,735 SqFt.
Welcome home to your beautifully renovated townhouse tucked away in the highly desired neighborhood of Spectrum at Val Vista! Featuring 3 bed/2.5 bath + a loft upstairs & a bright open concept downstairs, perfect for entertaining. Enjoy cooking in your gorgeous new kitchen with Corian countertops & stainless-steel appliances. Relax outside this fall & winter in your private backyard while being just a five-minute drive to San Tan Mall, shopping and dining. This is a must see for anyone looking in Gilbert.

1498 E Hopkins Road, Gilbert
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