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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

$260,000
2 Beds ⋅ 2 Baths ⋅ 7055555 MLS ⋅ 1,006 SqFt.
Freshly remodeled 2-bedroom, 2-bath condo located just 1.5 miles from Arizona State University. This single-level home features vaulted ceilings, granite countertops, stainless steel appliances, and tile flooring throughout. Major updates include a new AC installed in June 2026, washer and dryer added in December 2024, and an approximately three-year-old water heater. Enjoy two private outdoor spaces, including a patio off the living room and a separate patio off the primary suite. Security doors are installed at the front entrance and both patios for added peace of mind. The primary bedroom includes an en-suite bathroom and walk-in closet. A large, freshly painted storage room provides additional space and could also function as an oversized pantry. The community offers a pool, assigned covered parking, and water included in the HOA. Conveniently located near ASU, Tempe Marketplace, light rail, restaurants, shopping, and easy access to Loops 101 and 202.

924 S Hacienda Drive Unit A, Tempe
$325,000
2 Beds ⋅ 2 Baths ⋅ 7055309 MLS ⋅ 1,040 SqFt.
Beautifully updated single-level patio home in the desirable Sun View Patio Homes community! This move-in ready 2-bedroom, 2-bath home features a bright, open floor plan with numerous recent improvements. The kitchen was completely remodeled in 2026 with new cabinetry, countertops, and finishes. Both bathrooms were renovated in 2025 with modern fixtures and finishes. Additional upgrades include new energy-efficient windows installed in 2025 and a new A/C system installed in November 2024 for added comfort and peace of mind. Enjoy a private patio, covered parking, and access to the community pool. Conveniently located near shopping, dining, parks, and major freeways in the heart of Gilbert.

1500 N Sunview Parkway Unit 36, Gilbert
$274,900
2 Beds ⋅ 2 Baths ⋅ 7055161 MLS ⋅ 1,104 SqFt.
Move-in ready and beautifully refreshed, this townhome offers an ideal combination of comfort, convenience, and low-maintenance living. Perfectly located near the Loop 202, US-60, and the light rail, you'll enjoy quick access to ASU, Sky Harbor Airport, Tempe Town Lake, and an abundance of shopping, dining, and entertainment. This home offers an open living area with separate dining. The spacious primary suite features a walk-in shower. The home is vacant, allowing for a quick and flexible move-in. Enjoy added peace of mind knowing the HOA takes care of exterior maintenance and landscaping, so you can spend less time on upkeep and more time enjoying your home. This welcoming all-ages community offers amenities designed for both relaxation and connection, including multiple gathering areas, a sparkling pool and spa, and a dedicated dog park for your furry companion. Whether you're looking for an easy commute, an active lifestyle, or a lock-and-leave home, this townhome checks all the boxes.

2929 E Broadway Road Unit 85, Mesa
$399,000
4 Beds ⋅ 2 Baths ⋅ 7055156 MLS ⋅ 1,678 SqFt.
4B/2Bath Townhouse - 10 minute drive to ASU!! Remodeled modern, bright kitchen w/Quartz countertops & SS appliances. Kitchen has built-in desk & large breakfast nook over-looking beautiful gated front courtyard. Large living room (one-step down) w/brick, wood burning fireplace. Large, separate dining room open to LR & kitchen (DR could be made into office in the future). Primary suite includes walk-in closet & bathroom w/2 sinks & great storage. Blinds in all bedrooms. Easy maintenance yards include automated watering systems & turf in the backyard. Attached 2 car garage has storage cabinets & laundry. Bonus room off of garage has storage and can be used for a workshop and projects. Solid block construction for more efficient cooling, heating and noise reduction. ***SEE MORE Backyard is private, with high, block walls and shaded patio. Clubhouse has a pool. Easy lock & leave home in a neighborhood that has Southwest charm. Great for a college student or first-time buyer. Close to shopping, restaurants, freeways and hospitals. 3 year roof warranty. **Property CANNOT be rented out and one resident must be on the deed per the HOA.** Flooring is grey ceramic tile, vinyl plank wood and carpet.

312 W Laguna Drive, Tempe
$465,000
3 Beds ⋅ 3 Baths ⋅ 7055052 MLS ⋅ 2,187 SqFt.
Enjoy resort-style living in this spacious Encanterra townhome on an oversized corner lot with north/south exposure. The flexible layout offers 3 bedrooms, 3 bathrooms, a den, loft and approximately 2,187 square feet. The main level includes the primary suite plus a second bedroom and bathroom, while upstairs features an additional bedroom, full bathroom, loft and extra storage. The open kitchen includes granite countertops, a large island, gas cooktop, wall ovens, upgraded cabinetry and a pantry. Additional highlights include custom tilework, upgraded flooring, abundant natural light and a private covered patio, all just minutes from Encanterra's clubhouse, pools, fitness center, walking paths, golf, tennis and dining.

934 E Cobble Stone Drive, Queen Creek
$284,900
2 Beds ⋅ 2 Baths ⋅ 7054863 MLS ⋅ 870 SqFt.
Beautifully Remodeled 2BR Gem in the Heart of Chandler! Welcome to 1600 N. Saba #164 a stylishly updated 2 bedroom, 1.5 bath home offering modern comfort and low-maintenance living in one of Chandler's most convenient locations. Step inside to durable tile flooring throughout the main living areas and plush new carpet in the bedrooms. The kitchen shines with gorgeous stone countertops, stainless steel appliances, and a tile backsplash that ties the whole space together. The primary bath features a stunning walk in tiled shower for a spa-like feel every day. Beyond the unit, residents enjoy access to a community pool perfect for beating the Arizona heat. Situated close to major freeways, shopping, dining, and top Chandler schools, this home puts everything you need within easy reach

1600 N Saba Street Unit 164, Chandler
$329,998
3 Beds ⋅ 3 Baths ⋅ 7054797 MLS ⋅ 1,449 SqFt.
Move in ready Mesa AZ townhome in the desirable Muirfield community just steps from the community pool! This beautifully updated home features new wood look tile flooring throughout the first floor, new interior paint throughout, a new HVAC system, new water heater, new window blinds throughout, a new garage door spring, and all appliances included. Enjoy low maintenance living with easy access to US 60, shopping, dining, golf, parks, and entertainment. Perfect for first time home buyers, those looking for a lock and leave Arizona home, a winter retreat, or an investment property. Don't miss this opportunity to own an updated Mesa home for sale in a prime East Valley location!

1255 S Rialto -- Unit 165, Mesa
$229,000
2 Beds ⋅ 2 Baths ⋅ 7054780 MLS ⋅ 1,037 SqFt.
Fantastic opportunity in the heart of Tempe! Want a rental near ASU, or a home to personalize to your own taste this property offers incredible potential. Featuring a newer A/C system 2023, this home is ready for your vision and updates and is priced to sell accordingly. Located just minutes from Arizona State University, Tempe Marketplace, major freeways, shopping, dining, and Sky Harbor Airport, you'll love the convenience and strong rental demand this area offers. Don't miss this chance.

827 S Hacienda Drive, Tempe
$330,000
2 Beds ⋅ 3 Baths ⋅ 7054300 MLS ⋅ 1,152 SqFt.
New kitchen and bath cabinets, interior doors, baseboards, electric receptacles and switches, ceiling fans, smoke detectors, lights, top tier carpet and pad, electric water heater, sinks, faucets, water shutoff valves and hoses. Porcelain tile. Granite counter tops. Brand new air conditioning 4 ton split heat pump system.

860 N Mcqueen Road Unit 1164, Chandler
$350,000
2 Beds ⋅ 2 Baths ⋅ 7054155 MLS ⋅ 1,596 SqFt.
Recent updates bring added peace of mind, including a new roof in June 2025, a new HVAC system in December 2024, plus granite countertops and a new kitchen sink added in 2024. Located in a private gated community, this single story home offers a comfortable split floorplan with 2 bedrooms, 2 bathrooms and a den. The primary bedroom features an ensuite bathroom with a tub/shower combo, walk in closet, double vanity and water closet. The second bedroom is conveniently located next to the hallway bathroom. A 2 car garage adds everyday functionality, and the home is ready for immediate move in. HOA: The HOA is managed by Metro Property Services and the community manager is Tracy Scoffield and her contact information is: (480) 967-7182 x 104 if you have any additional questions. The HOA features a community pool that is heated to 82, a spa that is heated to 104 in the winter time and they cover the following: Exterior maintenance, common area maintenance, roof repairs and replacement, monthly general pest and spot termite treatment and exterior painting when needed. If the home needs painting in between, that would be the owner's responsibility. The HOA does not cover any water, sewer or garbage. Home Features: This home features no interior steps, an attached 2 car garage with direct access into the home, a new roof was installed in 6/25, new granite countertops, kitchen sink and new HVAC system in 2024. The property is located off of Power Road and Brown road and is minutes from the 202 freeway, Red Mountain High School, Freemont Jr High School, parks, a variety of restaurants to eat, Golf Resorts, multiple bus stops and more.

6720 E Encanto Street Unit 69, Mesa
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