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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

$334,900
3 Beds ⋅ 2 Baths ⋅ 7045041 MLS ⋅ 1,400 SqFt.
3.99% INTEREST RATE IS AVAILABLE FOR THIS HOME (ASK YOUR AGENT FOR MORE INFO. BUYER'S AGENT PLEASE SEE MLS DOCUMENTS TAB). THIS IS A MODEL PERFECT HOME WITH 3 BEDROOM, 2 BATHROOM HOME WITH LARGE GARAGE IN A GATED COMMUNITY WITH A BIG, BEAUTIFUL POOL. Located on Baseline Road between Power Rd & Loop 202. This Beautiful Home is 1400 Square Feet with 9-Foot Ceilings, Lots of Natural Light and has been Completely Remodeled & Upgraded throughout. ALL New Plank-Style Luxury Vinyl Flooring, 4'' Baseboards, Granite Countertops, 48'' Tall Cabinets, Pantry, and Brushed Nickel Fixtures Throughout. Washer, Dryer, and Refrigerator included with a Full Price Offer.

7726 E Baseline Road Unit 236, Mesa
$345,000
3 Beds ⋅ 3 Baths ⋅ 7045015 MLS ⋅ 1,534 SqFt.

1250 S Rialto Street Unit 1, Mesa
$459,999
3 Beds ⋅ 3 Baths ⋅ 7044869 MLS ⋅ 1,926 SqFt.
Prime South Tempe location in Alta Mira, minutes to the 101 Loop, ASU & Tempe Marketplace! This 3 bed/2.5 bath townhome offers a spacious layout with vaulted ceilings, cozy fireplace, and an attached 2-car garage. Primary suite features a private en-suite bath. Bring your vision: great bones and unbeatable value-add potential in a quiet, established community. Enjoy resort-style amenities including a community pool, spa and pickleball courts. Close to shopping, dining & freeway access. Don't let this opportunity pass you by inquire today!

8852 S Taylor Drive, Tempe
$393,000
2 Beds ⋅ 2 Baths ⋅ 7044550 MLS ⋅ 1,651 SqFt.
Find your ideal retirement haven in the 55+ gated Community in Verde Groves! This beautiful townhome offers 2 beds + den, 2 baths, and a 2-car garage. The inviting interior features plantation shutters, a neutral palette, vaulted ceilings, a neutral palette, and carpet & tile flooring t/out. You'll love the desirable great room, perfect for everyday living & entertaining! The impressive kitchen boasts SS appliances, butcher block & granite counters, recessed lighting, a tile backsplash, ample white cabinetry, and a breakfast bar. Cozy dining space with a bay window! The den can be an office or additional living space. Enter the primary bedroom to find a bay window and an ensuite with dual sinks & a walk-in closet. The secondary bedroom includes access to the Jack & Jill secondary bathroom. BRAND NEW Dishwasher, Microwave, RO system and Soft Water system. Enjoy relaxing or have a fun BBQ in the private backyard with a covered patio & pavers! HOA takes care of the front & back landscaping, exterior painting, water, trash, pest control, roof repair & replacement. PLUS! Resort-style living awaits active adult Verde Groves, providing a clubhouse, fitness center, pool, library, billiards room, arts & crafts spaces, demonstration kitchen, and a variety of social clubs and activities. Don't miss this opportunity!

4202 E Broadway Road Unit 130, Mesa
$255,000
2 Beds ⋅ 2 Baths ⋅ 7044489 MLS ⋅ 862 SqFt.
Fantastic opportunity near Arizona State University! This 2-bedroom, 2-bathroom condo with 1 covered parking space is ideally located in the heart of Tempe, just minutes from ASU, shopping, dining, and major freeways. HOA includes water service, and the refrigerator, washer, and dryer are all included, making this a truly move-in-ready property. Conveniently located across from Safeway and only a short drive, bike ride, or walk to campus. With its prime location near ASU and strong rental demand in the area, this property presents an excellent opportunity for both investors and owner-occupants. Whether you're looking for a primary residence, a home for an ASU student, or a long-term investment property, this condo offers exceptional value in a highly desirable location. Don't miss this affordable Tempe opportunity!

1125 E Broadway Road Unit 113, Tempe
$379,999
3 Beds ⋅ 3 Baths ⋅ 7044379 MLS ⋅ 1,397 SqFt.
Back on the Market! Buyer didn't qualify! This adorable two-story stand alone home, in Seawynds at the Islands is the one for you! Light &. Bright,Freshly painted & all new flooring/LVP/Carpet throughout.Conveniently close to restaurants, shopping & golfing! Spacious living area showcasing soaring ceilings to enhance the space. Spotless kitchen complete with lots of storage. a peninsula with a breakfast bar & sleek stainless steel appliances for a seamless cooking experience. The serene primary bedroom promises a good night's sleep, including a full bathroom with dual sinks The low maintenance backyard is the perfect size to enjoy weekend grilling and relaxing evenings. Multiple Community Pools & Green Belt/Parks, Walking Paths, Community Ctr.

1071 W Sandy Banks Drive, Gilbert
$445,000
3 Beds ⋅ 2 Baths ⋅ 7044337 MLS ⋅ 1,539 SqFt.
Beautifully updated home in a desirable Tempe location, offering a blend of modern updates, flexible living areas, and low-maintenance outdoor living. Fresh neutral finishes, wood-look tile flooring t/out, updated lighting, and abundant natural light create a clean, move-in-ready feel from the moment you enter. The spacious floor plan features an oversized dining room with custom built-in cabinetry and shelving, providing storage and entertaining space. Multiple living areas offer flexibility for working from home, hobbies, or creating the perfect media room. The kitchen features ample cabinetry, granite counters, and stainless-steel appliances. Private backyard designed for easy maintenance and year-round enjoyment with newly installed Gazebo. Over $75k in improvements - see supplement HOME IMPROVEMENTS since purchase: Fresh interior paint throughout in 2022 Shiplap to one bedroom wall in 2024 Window blinds to all rooms in 2022 Kitchen and laundry rooms have window blinds within the doors (built in) All windows replaced by previous owner. New GE stainless steel refrigerator in 2023 11/2025 - 12'x16' aluminum gazebo for backyard 3/2025 - installed/wired 3 ceiling fans w/ light kits in all bedrooms and family room 11/2024 - replaced all cast iron sewer ($21k) 5/2023 - new HVAC 2023 - refinished tub and shower 2022 & 2023 - 2 new bathroom vanities and installation and new toilets 10/2022 - ceramic tile plank flooring throughout 10/2022 - Backyard landscape (turf, fruit trees, pavers, pots) and front yard update (pavers, add rock)

1988 E Oxford Drive, Tempe
$400,000
2 Beds ⋅ 2 Baths ⋅ 7044231 MLS ⋅ 1,401 SqFt.
Beautifully maintained 2-bedroom plus den home in the desirable Alta Mesa golf community! This move-in ready property features an updated interior with upgraded custom kitchen cabinetry, Corian countertops, stainless steel appliances, decorative stove hood, and abundant storage. Refrigerator, washer, and dryer are all included. The spacious great room showcases a cozy fireplace, while tile flooring extends throughout the main living areas with carpet in the bedrooms for added comfort. The den offers flexibility for a home office, hobby room, or guest space. Enjoy outdoor living in the private gated courtyard or relax under the covered patio. Additional highlights include extra storage cabinets in the garage and access to the heated community pool. Conveniently located near golf, shopping, dining, and freeway access, this well-cared-for home offers comfort, style, and low-maintenance living in the heart of Mesa's sought-after Alta Mesa area.

1235 N Sunnyvale Street Unit 94, Mesa
$325,000
3 Beds ⋅ 2 Baths ⋅ 7044097 MLS ⋅ 1,269 SqFt.
Beautiful turnkey home that was recently updated from top to bottom with brand new flooring, carpets, designer chef's kitchen complete with granite countertops, and stainless-steel appliances, new water heater, brand new windows throughout the home, new sky dome with blackout curtain, brand new A/C plus a brand new mini split a/c in the nursery/office. It has an excellent Security/Alarm System that can be control and view from your phone. Save on your electric bill with a roof Solar System that is installed and will be paid off by SELLER upon sale of the home. Enjoy your private backyard with an extra storage unit. Don't miss this opportunity to live in a desirable neighborhood close to several businesses, walking/bike paths, and well-kept community pool and spa.

2455 E Broadway Road E Unit 103, Mesa
$303,000
3 Beds ⋅ 2 Baths ⋅ 7044089 MLS ⋅ 1,189 SqFt.
Located just North of Downtown Gilbert! This home features 2 Bedrooms plus loft that could be used as a third bedroom, den or office. The home is appointed with granite counters and real hardwood flooring. Two-car tandem garage attached. Enjoy community pool and playground. Excellent dining and entertainment just moments away!

163 W Campbell Court, Gilbert
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