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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

$224,900
2 Beds ⋅ 2 Baths ⋅ 7027966 MLS ⋅ 1,018 SqFt.
This unit offers a prime location, being conveniently situated near shopping, Banner hospital, and Mesa Community College. The renowned Dobson Ranch Golf Course is located across the street, boasting an 18-hole course and a fantastic restaurant. Residents can easily walk to a grocery store and a variety of restaurants, ranging from pizza to pierogis! This home offers an incredible amount of storage! The kitchen is equipped with abundant cabinetry and a walk in pantrymaking it easy to prepare your favorite meals while keeping every tool and appliance perfectly organized. Designed with storage space in mind for a small space. Thoughtfully designed built-ins throughout the living area ensure your home stays clutter-free and elegant! Bathrooms have been updated and there is a 1 year home warranty being offered for peace of mind!

1920 W Lindner Avenue S Unit 170, Mesa
$245,000
2 Beds ⋅ 2 Baths ⋅ 7027944 MLS ⋅ 1,142 SqFt.
Welcome to Sunland Village, one of Mesa's most sought after 55+ golf communities! This beautifully updated 2 bedroom, 2 bath home offers 1,142 sqft of comfortable living with stylish upgrades throughout. Major improvements include a new roof (2023), HVAC system (2021), and water heater (2024), providing peace of mind for years to come. nside, the home has been thoughtfully refreshed within the last year with new flooring and baseboards, quartz kitchen countertops, freshly painted kitchen cabinets, updated appliances, raised bathroom vanities, popcorn ceiling removal, and all new fixtures. The bright, inviting layout is move-in ready, and all appliances are included for added convenience. Situated in the no pets section of the community, this home offers a quiet and peaceful setting.

520 S Greenfield Road Unit 39, Mesa
$449,000
3 Beds ⋅ 2 Baths ⋅ 7027451 MLS ⋅ 1,772 SqFt.
Beautifully maintained condo in the heart of Chandler! This move-in ready unit features an upgraded kitchen with modern finishes, ample cabinetry, and generous counter space that opens seamlessly to the dining and living areas, perfect for entertaining. The home also showcases stylish wood-look tile flooring throughout the main living spaces, adding both elegance and durability. Enjoy a bright and open floor plan with abundant natural light and a functional layout ideal for comfortable living or a lock-and-leave lifestyle. Conveniently located near shopping, dining, entertainment, parks, and easy freeway access. Excellent opportunity for a primary residence, winter retreat, or investment property in a highly desirable Chandler location!

1255 N Arizona Avenue Unit 1236, Chandler
$349,900
2 Beds ⋅ 3 Baths ⋅ 7027449 MLS ⋅ 1,100 SqFt.
Tempe is waiting for you at this 2-bedroom townhome. Inside, guests find two master bedrooms and three bathrooms, perfect for a roommate or small family. This is a charming home close to Tempe Marketplace, Mesa Riverview, and ASU. Professional and soon-to-be professionals will love the atmosphere and the 2-car garage.

2401 E Rio Salado Parkway Unit 1072, Tempe
$395,000
3 Beds ⋅ 2 Baths ⋅ 7027228 MLS ⋅ 1,309 SqFt.
Welcome home to this lightly lived in only 2 years young beatiful townhome. This Verdin model features the primary bedroom on the lower level with seperate bathroom which features double vanity with quartz counter top and walk-in shower as well as a walk in closet. Laundry w/stackable washer\dryer also located on lower level. Upstairs you will enjoy an open concept with balcony off of the great room. Kitchen features white cabinets with soft close, quartz counter tops w/bar seating as well as a seperate dining area and double door pantry. There are 2 secondary bedrooms as well as a full bath w/linen closet. All appliances convey also included soft water system and RO. The attached 2 car garage has plug for EV. Located close to dining and shopping. Don't miss out on making this home yours!

778 S Olympic Drive, Gilbert
$325,000
2 Beds ⋅ 2 Baths ⋅ 7026747 MLS ⋅ 897 SqFt.
LAKEFRONT CONDO Living in Chandler Near Shopping, Dining & Loop 101! Ground-floor lakefront condo in a gated Chandler community with direct water views, private patio access, and resort-style amenities near Dobson Rd & Ray Rd. This remodeled 2-bedroom, 2-bath condo offers approximately 897 sq ft and covered patio overlooking the lake, plus exterior storage space. Fishing and boating are permitted on the community lake, creating a unique waterfront lifestyle in the heart of Chandler. Interior upgrades completed in 2022 include wood-look tile flooring throughout, refinished cabinetry, Dunn-Edwards interior paint, LED lighting, faux wood blinds, updated fixtures, and remodeled bathrooms. The kitchen features quartz-look countertops, gray shaker-style cabinets, black appliances microwave, dishwasher, refrigerator, and glass-top range. Full-size washer and dryer included. The primary suite offers lake views, a large walk-in closet, detached vanity area, and a remodeled walk-in shower with multiple shower heads including a rain shower feature and upgraded Moen fixtures. Guest bath includes a 5-foot soaking tub and updated vanity. Sliding glass doors open directly to the covered patio overlooking the lake, ideal for outdoor dining, relaxing, or enjoying sunset water views. Community amenities include 3 swimming pools, fitness center, tennis courts, BBQ areas, walking/jogging paths around the lake, covered parking, and gated entry. Additional updates include new HVAC and water heater installed in 2024. HOA covers water, sewer, and trash. Located 0.3 miles to Fry's Marketplace, 0.4 miles to Sprouts Farmers Market, 0.5 miles to Pita Jungle, 1.5 miles to Loop 101 access, 2.0 miles to Chandler Fashion Center, and 3.5 miles to Intel's Chandler campus. Convenient access to dining, shopping, parks, golf, and major employment corridors throughout Chandler and the East Valley!

1825 W Ray Road Unit 1113, Chandler
$449,000
2 Beds ⋅ 3 Baths ⋅ 7026684 MLS ⋅ 1,536 SqFt.
Experience the best of Tempe at this FULLY FURNISHED three-story 2-bed/2.5-bath Chicago style Brownstone townhome with brand NEW HVAC, washer, dryer (2025) and a community pool! Best location in Tempe - close proximity to Mill Ave, Tempe Beach Park, and ASU. Discover a welcoming living room and family room, perfect for entertaining or relaxing, where abundant natural light fills every corner. Formal dining room is ready for hosting dinner parties. Thoughtful touches such as wood-look tile flooring and fresh paint throughout create a bright and inviting atmosphere. Well-appointed kitchen displays recessed lighting, stainless steel appliances, ample cabinetry, and granite counters. Airy primary bedroom is upstairs for extra privacy, complete with a private bathroom featuring a shower & . . . tub combo and a walk-in closet. After a busy day, unwind on the cozy balcony or go for a swim in the community pool. Hurry, This amazing gem is the one you're looking for!

570 W 6th Street, Tempe
$319,900
2 Beds ⋅ 2 Baths ⋅ 7026433 MLS ⋅ 1,304 SqFt.
Welcome to this Beautiful 2 Bed/2 Bath Townhome on the Lake in Leisure World. Enter into a very spacious home with vaulted ceilings and Amazing views to the lake! The kitchen has newer cabinets, stainless appliances, and pantry. The Primary bedroom is also spacious with views to the lake. The guest bedroom has its own patio area! Walk out to the private & peaceful patio w/newer deck with newer retractable awnings...great for relaxing or entertaining! The home is close to Rec. 1, the Pickleball Courts and main pool, with just a short walk across the bridge. Newer Windows Throughout! Washer/Dryer 2 months old! The HOA takes care of the exterior of the home including the roof. Leisure World offers 36 holes of private golf, tennis, pickle ball, swimming pools, fitness center & much more!

698 Leisure World --, Mesa
$369,000
3 Beds ⋅ 3 Baths ⋅ 7026375 MLS ⋅ 1,340 SqFt.
Welcome to this charming corner lot townhome nestled in the sought-after Power Ranch community! Step inside to find bright, open living spaces showcasing brand new carpet, updated LVP flooring, ANDERSEN windows, and neutral paint throughout. The kitchen shines with oak cabinetry, a generous peninsula, new appliances, and stunning granite countertops -- perfect for everyday cooking or entertaining. Retreat to the spacious primary suite featuring a walk-in closet, dual-sink bathroom, and private balcony access ideal for morning coffee or evening unwinding. Enjoy resort-style community amenities including a pool, spa, and clubhouse. Unbeatable location just minutes from premier shopping, dining, and quick access to the 202 freeway. Everything Gilbert has to offer is right at your doorstep!

4749 E Thunderheart Trail Unit 103, Gilbert
$430,000
3 Beds ⋅ 3 Baths ⋅ 7026357 MLS ⋅ 1,380 SqFt.
Seize the chance to own this well-maintained townhome, which features 3 bedrooms, a den, & a 2-car garage. Discover an appealing open layout w/ high ceilings, a soothing palette, & wood laminate flooring. The kitchen has wood cabinets w/ crown moulding, track lighting, black/SS appliances, & an island w/ a breakfast bar. The main bedroom includes an ensuite w/ dual sinks & a walk-in closet. All the bedrooms have ceiling fans. The washer/dryer is located upstairs by the bedrooms for convenience. Unwind on the covered patio, ideal for dining al fresco. A brand-new AC has also been installed. Close to the Community entrance & pool. Minutes from freeway & baseball stadium. Close to dining, shopping, & entertainment. Perfect for professionals, students, or anyone seeking low-maintenance living!

2401 E Rio Salado Parkway Unit 1003, Tempe
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