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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

$419,900
3 Beds ⋅ 3 Baths ⋅ 7054065 MLS ⋅ 1,307 SqFt.
Welcome to this beautifully maintained 3-bedroom, 2.5-bath townhome nestled in one of Chandler's most desirable locations. Enjoy resort-style living with access to a community pool and heated spa, along with a private front patio tucked behind a security gate--an ideal spot to relax with your morning coffee or unwind at the end of the day. The updated kitchen features granite countertops, abundant cabinet and counter space, a pantry, all appliances, and a convenient breakfast bar that opens to the dining area, making it perfect for everyday living and entertaining. The spacious family room showcases attractive wood-look laminate flooring and offers plenty of room for gatherings with family and friends. A convenient powder room completes the main level. Upstairs, you'll find two Welcome to this beautifully maintained 3-bedroom, 2.5-bath townhome nestled in one of Chandler's most desirable locations. Enjoy resort-style living with access to a community pool and heated spa, along with a private front patio tucked behind a security gate--an ideal spot to relax with your morning coffee or unwind at the end of the day. The updated kitchen features granite countertops, abundant cabinet and counter space, a pantry, all appliances, and a convenient breakfast bar that opens to the dining area, making it perfect for everyday living and entertaining. The spacious family room showcases attractive wood-look laminate flooring and offers plenty of room for gatherings with family and friends. A convenient powder room completes the main level. guest bedrooms that share a well-appointed hall bathroom, along with an oversized primary suite featuring dual sinks, a private water closet, a shower/tub combination, and a large walk-in closet. Step outside to your private backyard retreat featuring low-maintenance artificial turf, planter boxes, and ample space to relax and enjoy Arizona's beautiful weather. An added bonus is the open feel created by the absence of rear neighbors directly behind the home. Additional highlights include a spacious 2-car garage and an unbeatable location just minutes from Chandler Fashion Center, Intel, Downtown Chandler, parks, biking trails, shopping, dining, entertainment, top-rated schools, and convenient freeway access. This exceptional home offers the perfect combination of comfort, convenience, and low-maintenance living.

1404 W Weatherby Way, Chandler
$449,900
3 Beds ⋅ 3 Baths ⋅ 7053925 MLS ⋅ 1,589 SqFt.
Come home to this modern 2-story townhouse in the gated community of Mosaic at Layton Lakes! Offering 3 beds, 2 baths + powder room, and a 2-car garage. The interior boasts high ceilings, recessed lighting, abundant natural light, and wood-look tile flooring downstairs. The open layout connects the living, kitchen, and dining areas, for a bright & airy feel! The impressive kitchen provides white shaker cabinets, quartz counters, tile backsplash, SS appliances, and an island with breakfast bar. The bedrooms are upstairs, featuring soft carpet! The main suite has a private bathroom with a dual-sink vanity and a walk-in closet. The private backyard includes an extended paver-covered patio for relaxing & entertaining. Perfectly positioned just moments from the resort-style pool, spa, and community amenities! Located in one of the only gated townhome communities in the area, offering an added level of privacy and security that's hard to find. Don't miss out on this gem!

753 E Beauchamp Drive Unit 102, Gilbert
$319,900
3 Beds ⋅ 2 Baths ⋅ 7053877 MLS ⋅ 1,203 SqFt.
Fall in love with this bright and beautiful 3-bedroom + open den/playroom, 2 full bath corner townhome in Chandler! Rare 1,200+ sq ft with soaring vaulted ceilings, cozy woodburning fireplace, spacious kitchen with eating area, neutral colors, brand new plank flooring and sparkling clean - ready for you! Fabulous North/South exposure, low traffic, greenbelts, private patio to green space perfect for BBQs or coffee. Enjoy the community pool and canal paths for Arizona sunsets. Low-maintenance corner unit with one shared wall, HOA covers roof and exterior for lock-and-leave ease. Near shopping, freeways, downtown Chandler, tech corridors and Playa del Rey Elementary (Gilbert Schools). A heartfelt winner for your next home or smart investment - come see it today!

3491 N Arizona Avenue Unit 71, Chandler
$385,000
2 Beds ⋅ 2 Baths ⋅ 7053696 MLS ⋅ 1,088 SqFt.
IYKYK, Villagio is a great community! Remodeled end unit with LVP flooring, quartz countertops, stainless steel appliances and a balcony that spans from the living area to the primary bedroom. The unit is conveniently located within the gates and near one of the two community pools. The community location itself can't be beat. Across the street from Sloan Park/Chicago Cubs Spring baseball complex & moments from Mesa Riverview shopping, dining & entertainment.

280 S Evergreen Road Unit 1383, Tempe
$255,000
2 Beds ⋅ 1 Baths ⋅ 7053406 MLS ⋅ 910 SqFt.
Welcome home to this immaculate top-story townhome nestled in a beautiful master-planned community with an unbeatable location! Featuring 2 bedrooms, 1.5 bathrooms, and an inviting open-concept floor plan, this move-in-ready home offers comfort, style, and convenience. Step inside to discover new flooring throughout, soaring vaulted ceilings, and abundant natural light. The kitchen is designed for both everyday living and entertaining, featuring granite countertops, a breakfast bar, a stainless-steel sink, and newer appliances. The spacious layout creates a warm and welcoming atmosphere, while the private outdoor patio includes additional storage for added convenience. You'll also appreciate the covered parking space located just steps from your front door. Enjoy resort-style living with community amenities that include a sparkling pool and heated spa, perfect for relaxing year-round. Conveniently located near shopping, dining, parks, and freeway access, this home offers the ideal combination of low-maintenance living and an exceptional location.

500 N Gila Springs Boulevard Unit 204, Chandler
$374,500
2 Beds ⋅ 2 Baths ⋅ 7053388 MLS ⋅ 1,174 SqFt.
The search is finally over! This 2-bedroom townhome greets you with a 2-car garage and a manicured lawn. Inside, you'll find a serene living room with vaulted ceilings, a soothing palette, wood-look flooring, and an inviting fireplace for relaxing evenings. The well-appointed kitchen comes with crisp white cabinets, a tile backsplash, and stainless steel appliances. The main bedroom showcases soft carpeting and a private bathroom for added comfort. Unwind at the end of a long day in the backyard, complete with a lovely wooden deck and pristine artificial turf for outdoor relaxation. Don't miss your chance to own this adorable gem!

371 W Lodge Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7053295 MLS ⋅ 935 SqFt.
Welcome to this carefully updated 2 bedroom, 2 bath townhome, this home offers a bright, comfortable layout opening first with a vaulted ceiling to display modern finishes throughout, including an updated kitchen that's perfect for everyday living. A living room that feels inviting and functional, while the private bedrooms provide plenty of room to escape and relax. A new roof adds peace of mind, giving buyers added confidence in the home's condition and care. With easy access to shopping, dining, and major freeways, this townhome blends comfort, style, and convenience in one great package for any buyer looking for their next home or the perfect vacation investment for their visits down to the valley. NEW: Roof - 2026, AC - 2020, Bathrooms - 2026, Kitchen - 2025, Water Heater - 2025.

3930 W Monterey Street Unit 106, Chandler
$429,000
2 Beds ⋅ 2 Baths ⋅ 7053288 MLS ⋅ 1,538 SqFt.
Move in and start enjoying Encanterra. This home is turn-key and being sold completely furnished. Built in 2022, this home features a bright, open layout with comfortable living and dining areas, a spacious primary suite, and a dedicated office area with a built-in desk perfect for working from home or managing everyday tasks. The home backs to a community walking trail, creating a peaceful setting with convenient neighborhood access. Just steps away, you can enjoy the Algarve pool, bocce ball courts, and pickleball courts, making it easy to take full advantage of the active, social lifestyle this community offers. Whether you are looking for a full-time residence, seasonal retreat, or low-maintenance lock-and-leave home, this is it!

484 E Citrus Hollow Way, Queen Creek
$230,000
3 Beds ⋅ 2 Baths ⋅ 7053229 MLS ⋅ 1,320 SqFt.
Move right in to this beautifully maintained townhouse in a prime Mesa location, just minutes from Mesa Community College, shopping, dining, and freeway access. With its clean, modern aesthetic, this home is the perfect opportunity for a first-time buyer, student, or investor. The functional floor plan offers comfortable living spaces with newer interior paint and newer carpet, giving the home a fresh, welcoming feel from the moment you walk in. Every detail has been well cared for, making it easy to settle in without the hassle of updates. Affordable opportunities like this don't come around often. With a monthly payment that's hard to beat, this entry-level property delivers exceptional value in an unbeatable location. Don't miss your chance to own a clean, turnkey home!!

2221 W Farmdale Avenue Unit 25, Mesa
$440,000
3 Beds ⋅ 3 Baths ⋅ 7053135 MLS ⋅ 1,462 SqFt.
Turnkey, fully furnished, and already earning as an active Airbnb minutes from ASU! This remodeled end-unit townhouse conveys completely furnished - furniture, decor, kitchenware and linens included - so income never skips a beat. Light, open floor plan with a remodeled kitchen, stainless appliances and breakfast bar. Upstairs primary suite offers a walk-in closet, double vanity, and separate shower and tub. Two private patios face the community pool, plus attached 1-car garage and in-unit laundry. Skylights, 9-ft ceilings and solar screens throughout. Near Light Rail, Mill Ave, Tempe Town Lake and Tempe Marketplace. Owner will stay on as property manager for a proven, turnkey rental with zero downtime. Buyer to verify STR rules with HOA and City of Tempe.

1886 E Don Carlos Avenue Unit 132, Tempe
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