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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

$355,000
3 Beds ⋅ 2 Baths ⋅ 7051865 MLS ⋅ 1,310 SqFt.
HUD Home - SAVE THOUSANDS! Welcome to the award-winning community of Eastmark! This charming 3-bedroom, 2-bath home boasts a huge covered barbecue pavilion right off the front door, perfect for entertaining. The primary suite is conveniently located downstairs and features granite counters, a dual vanity, a large walk-in shower with subway tile, and a walk-in closet. Upstairs, enjoy the great room with a large balcony overlooking the courtyard and pavilion. The kitchen is equipped with granite countertops, stainless steel appliances, and a pantry. This townhome community offers picturesque views of the well-stocked fishing lake, just a short walk away. Eastmark Community provides numerous amenities, including parks, a rec center, a community pool, a 50s diner, playgrounds, splash pads, and more! Experience the vibrant lifestyle Eastmark offers. Get your tour today!

9841 E Gamma Avenue, Mesa
$348,500
3 Beds ⋅ 3 Baths ⋅ 7051772 MLS ⋅ 1,466 SqFt.
See this interior lot- 3-bed, 2.5-bath townhome in the Community of Sanctuary on Center. This home comes with tile flooring in all the right places, and a large great room downstairs. Cook your favorite meals in the lovely kitchen, featuring white cabinets, a pantry, SS appliances, and a peninsula with a breakfast bar. New carpet in the upper level and stairs. The primary suite offers a walk-in closet, and a full ensuite with dual sinks. Enjoy the neighborhood's refreshing pool! Excellent location near parks, schools, and freeways for easy commuting to downtown Phoenix or Scottsdale. 2 car garage on the lower level.

1950 N Center Street Unit 110, Mesa
$489,900
2 Beds ⋅ 2 Baths ⋅ 7051712 MLS ⋅ 1,492 SqFt.
This move-in ready 2-bedroom, 2-bath townhome is filled w/natural light & offers an open, spacious floor plan, complete with golf course and mountain views! Welcome to effortless living in the highly sought-after Sunland Springs Village, one of Mesa's premier 55+ active adult golf course communities. Whether you're looking for a full-time residence or the perfect Arizona lock-n-leave, this home delivers. Sunland Springs Village is known for its vibrant lifestyle, featuring a 27-hole executive golf course, pickleball, fitness center, workout classes, arts and crafts, clubs, social events, swimming, and countless activities that make it easy to stay active and connected.

2662 S Springwood Boulevard Unit 356, Mesa
$350,000
2 Beds ⋅ 2 Baths ⋅ 7051582 MLS ⋅ 1,371 SqFt.
Don't miss this beautifully updated Tempe gem! Perfectly located just minutes from ASU, shopping, dining, and freeway access, this home offers the ideal blend of comfort and convenience. Featuring 2 spacious bedrooms, a versatile den, and 2 updated bathrooms, this home also boasts a beautifully remodeled kitchen, gorgeous Spanish tile throughout, and a bright, open floor plan. Step outside to your private backyard oasis with brand-new turf, pavers, plenty of space to entertain, and a large storage room. Whether you're looking for your next home or a fantastic investment opportunity, this move-in-ready property is an absolute must-see!

2170 E Minton Drive, Tempe
$499,000
3 Beds ⋅ 2 Baths ⋅ 7051244 MLS ⋅ 1,773 SqFt.
Enjoy beautiful golf course views from this well updated home in Sunland Springs Village in the heart of Mesa! Thoughtfully maintained and tastefully refreshed, this property features a remodeled kitchen with a stylish backsplash and newer appliances. The spacious primary suite offers a beautifully updated bathroom, while refreshed bathroom countertops and plantation shutters throughout add a modern, upscale touch. A two car garage provides ample storage and convenience. Major system updates--including a newer roof, A/C, and water heater--provide added peace of mind for years to come. Whether you're relaxing with golf course views or entertaining in the updated living spaces, this home offers the perfect blend of comfort, style, and convenience.

11069 E Kilarea Avenue Unit 120, Mesa
$489,000
3 Beds ⋅ 3 Baths ⋅ 7051185 MLS ⋅ 1,978 SqFt.
Looking to live in the HOTTEST AREA IN GILBERT? Welcome to The Lakes at Annecy, just minutes from vibrant SAN TAN VILLAGE's shopping and dining & easy access to Loop 202 freeway, where you will fall in love with this AMAZING home & urban-style living experience (including multiple lakes w/walking paths, swimming pools, playgrounds, basketball courts). This like-brand-new MOVE-IN READY 3 BR 2.5 BA plus OFFICE ~2000sf home w/2 CAR garage in The Lakes at Annecy -- derived from France's Lake Annecy known as the ''Venice of the Alps'' -- ALL FOR UNDER $500k is upgraded to the max. The GATED TREE-LINED community will give you that welcome home feel blended w/safety. As you approach, you'll find the PAVERED PORCH and 8' FRONT DOOR that leads to the QUIET DOWNSTAIRS OFFICE/DEN w/GLASS DOORS & BEAUTIFUL PLANK FLOORS, that extend to the STYLISH OPEN CONCEPT main living space that has an ABUNDANCE OF MUCH DESIRED NATURAL LIGHT. Be the proud owner of this VERY RARE "Annecy" GOURMET KITHEN that provides rich tobacco UPGRADED MAPLE CABINETRY w/42" uppers, beautifully contrasting Silver Falls GRANITE counters, SUBWAY TILE backsplash, COOKTOP w/HOOD, BUILT-IN OVENS, BLANCO QUARTZ SINGLE BOWL SINK, and large ISLAND w/PENDANT lighting. The HUGE WALK-IN PANTRY also provides a bonus storage area. When it's time to wind down, a relaxing OWNER'S SUITE has a FLOOR-TO-CEILING TILE surround w/RAINFALL showerhead, his/hers contemporary sink vanity, PRIVATE WATER CLOSET, and WALK-IN CLOSET. Head down the hall to the 2 OTHER BEDROOMS and FULL BATH. An attached 2 CAR garage includes a water softener loop for those silky smooth showers and laundry. Includes CEILING FANS and fresh paint. Just around the corner from your home you will have access to all the dining & social life activities that many "Zonies" drive many miles to access. And speaking of access, Loop 202 freeway is conveniently located to quickly get you to all parts of the southeast valley, including travel out of Phx-Mesa Gateway Airport. Welcome to an abundant life. And don't miss the MUST SEE VIDEO.

1686 E Chelsea Lane, Gilbert
$360,000
2 Beds ⋅ 3 Baths ⋅ 7050980 MLS ⋅ 1,100 SqFt.
Discover Townhome living at its best! Welcome to Villagio At Tempe. Move-in ready 2-bed 2.5 Bath. Enjoy low maintenance within this desirable gated community. New carpet, interior paint, washer and dryer, microwave & dishwasher. Spacious kitchen with granite countertops. A/C unit is 2 years old. Convenient 2 car garage with new garage opener. Great location! Loop 101 & 202, Sloan Park (Cubs Spring Training), Sky Harbor Airport, ASU Campus, Tempe Marketplace. Take advantage of great shopping and restaurants. Furniture available.

280 S Evergreen Road Unit 1304, Tempe
$494,000
4 Beds ⋅ 3 Baths ⋅ 7050971 MLS ⋅ 1,905 SqFt.
Take advantage of up to 2% in seller concessions, perfect for closing costs or an interest rate buydown to lower your monthly payment. Inside, you will find a thoughtful, open-concept floor plan featuring four bedrooms and three full baths, highlighted by a highly coveted bedroom and full bathroom on the main level that is ideal for a guest suite, multi-generational living, or a private home office. A beautifully refreshed Fulton home in South Chandler's premier 85286 zip code, offering an exceptional balance of space, functionality, and value. The interior has been tastefully updated with fresh neutral paint, brand-new carpet, upgraded lighting fixtures, a new kitchen faucet, and durable tile flooring throughout the primary living areas. Step outside to a private backyard featuring a covered patio with plenty of lawn and room to play, perfect for enjoying Arizona's ideal weather. The attached two-car garage features clean, durable epoxy flooring for added functionality. Situated in a desirable neighborhood with low HOA fees, residents enjoy access to exclusive community amenities, including a swimming pool, basketball court, scenic walking paths, and a shaded pavilion. Located within close proximity to top-rated Chandler Unified School District (CUSD) schools, local parks, dining, and shopping, this property combines everyday convenience with a quiet, established neighborhood setting. With generous square footage, a highly versatile floor plan, and 2% seller concessions available, this rare South Chandler opportunity will go fast.

1050 E Redwood Drive, Chandler
$290,000
2 Beds ⋅ 2 Baths ⋅ 7050895 MLS ⋅ 1,286 SqFt.
Amazing opportunity to own this 2 bedroom townhome in Heatherwood Village. The living room features high ceilings tile and laminate flooring throughout. The rear yard is fenced and would be perfect for your pet. The community boasts a playground, a lush green belt, a refreshing pool and well maintained community common areas. This community is near shopping, dining and quick highway access.

6720 E Encanto Street Unit 27, Mesa
$364,900
3 Beds ⋅ 3 Baths ⋅ 7050385 MLS ⋅ 1,750 SqFt.
Beautiful 2026 remodel 3BR/2.5BA townhome in desirable Knoell Ville Monaco! This stunning 1,750 sq ft home features a brand-new gorgeous kitchen with sleek quartz countertops, new cabinets, a modern sink, and stainless appliances. New LVP flooring, new carpet, and premium finishes throughout. Inside laundry with lots of storage cabinets. Upstairs, the spacious primary suite includes a generous walk in closet, sitting area, and a completely renovated bath with dual sinks. Enjoy a private patio and two attached carport spaces for ultimate convenience. Fantastic community amenities include a refreshing pool just steps away. Prime Tempe location near Baseline & McClintock-minutes from ASU, shopping, dining, parks, and top-rated schools with quick freeway access. Move-in ready - a must-see! shopping, dining, parks, and top-rated Tempe schools, with quick access to major freeways.

1926 E Duke Drive, Tempe
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