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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

$252,000
2 Beds ⋅ 2 Baths ⋅ 7007572 MLS ⋅ 870 SqFt.
Welcome home to this charming 2-bed, 2-bath townhome in Sunstone II, just minutes from Gilbert. The seller is offering a 1-year home warranty and 1% toward closing costs, making your move even easier. The kitchen has been refreshed with sage cabinetry, a stainless GE range, and a double sink, and the AC (2026) and dishwasher are brand new -- two big-ticket items already handled. Upstairs, enjoy two bright bedrooms with high ceilings, ceiling fans, and mirrored closets, plus fresh white paint throughout. Cool off in the community pool surrounded by mature trees and desert landscaping, with covered assigned parking for ease. Walk to schools, parks, shopping, and dining in one of the Valley's most in-demand cities.

1601 N Saba Street Unit 302, Chandler
$350,000
3 Beds ⋅ 2 Baths ⋅ 7007429 MLS ⋅ 1,374 SqFt.
Seize the chance to own this end-unit townhome in the Gardens Tempe! You're welcomed by a 2-car garage, a low-maintenance desert landscape, & an inviting front patio. Inside, the living room features a cool palette, stylish wood-look flooring, & a cozy fireplace for relaxing evenings w/ loved ones. The well-appointed kitchen comes w/ granite counters, ample wood cabinetry, built-in appliances, & a convenient pass-through w/ a breakfast bar for casual meals. The tranquil primary bedroom includes a private bathroom for added comfort. Spend quiet afternoons on the open patio, perfect for enjoying a good book or a refreshing drink. The Community boasts lush green spaces, tennis courts, a refreshing pool, & an ideal location close to schools, parks, bus stops, & shopping and ASU!

1430 N Dorsey Lane, Tempe
$430,000
2 Beds ⋅ 2 Baths ⋅ 7007210 MLS ⋅ 1,303 SqFt.
Welcome to Tuscany Villas at Painted Mountain Golf Course -- a gated, lock-and-leave community offering carefree, resort-style living. This exceptional golf course villa showcases true pride of ownership and is ideally situated on a premium lot with golf course views and desirable east/west exposure. A private gated courtyard entry and unique front fenced patio create the perfect setting for relaxing or gathering with friends. Designed with an open-concept layout, the home offers comfortable and functional living spaces ideal for both everyday living and entertaining. The kitchen features granite countertops, stainless steel appliances, a Bosch dishwasher with built-in water softener, abundant cabinetry, and seamless flow into the dining and family room areas. Large windows fill the Villa with natural light, while tile flooring throughout the main living areas and updated light fixtures enhance the home's style and ease of maintenance. The spacious owner's suite offers a peaceful retreat with a bay window sitting area, crown molding, two-tone paint, walk-in closet, and an en-suite bath complete with dual sinks and a walk-in shower. The secondary bedroom functions as a true en-suite with a tub/shower combination and features a custom real wood Murphy bed, providing both versatility and a stylish built-in feature--perfect for guests or a flexible living space. Additional highlights include a laundry room with extensive cabinetry for storage and a spacious two-car garage. Step outside to your private backyard retreat featuring an extended patio, view fencing, and electric awning--the perfect setting to enjoy Arizona sunsets, golf course views, and outdoor entertaining. A stoned pavers driveway, low-maintenance living, and the exceptional lifestyle Tuscany Villas is known for complete this outstanding home. HOA includes: roof and exterior maintenance, front landscaping, cable, internet, and blanket insurance--providing true lock-and-leave convenience. Residents enjoy resort-style amenities including a clubhouse, heated pools and spa, fitness center, pickleball courts, billiards, landscaped parks, playgrounds, and scenic walking paths--all designed to support an active and vibrant lifestyle.

6202 E Mckellips Road Unit 297, Mesa
$377,900
3 Beds ⋅ 3 Baths ⋅ 7006467 MLS ⋅ 1,452 SqFt.
Conveniently located near shopping, dining, entertainment, and major commuter routes, this 3-bedroom, 2.5-bath townhome offers a functional layout and low-maintenance lifestyle. Features include an attached 2-car garage, private patio, community pool and spa, granite countertops, ample storage, and an upstairs laundry room. The spacious primary suite includes a walk-in closet and dual-sink vanity, while two additional bedrooms provide flexibility for guests, a home office, or other household needs. Enjoy comfortable living with convenient access to destinations throughout Mesa and the East Valley.

1406 W Main Street Unit 139, Mesa
$219,900
3 Beds ⋅ 1 Baths ⋅ 7006018 MLS ⋅ 896 SqFt.
Don't miss this beautifully renovated single-level townhome in Mesa! This turnkey gem is completely move-in ready and features new cabinets, quartz countertops, stainless steel appliances, all-new dual-pane windows, fresh interior and exterior paint, and brand-new flooring throughout. The bright, inviting kitchen is perfect for everyday living and entertaining. Enjoy a private patio with privacy fence, new front door, convenient laundry/storage closet, and a covered parking space. Excellent privacy and conveniently located near the community pool. Low-maintenance living at its best -- an ideal first-home option, lock-and-leave residence, or investment rental. This is a fantastic real estate opportunity! Seller willing to credit buyers for new washer, dryer and Fridge with agreeable terms!

720 S Dobson Road Unit 70, Mesa
$272,000
1 Beds ⋅ 1 Baths ⋅ 7005778 MLS ⋅ 725 SqFt.
Adorable 1 bedroom plus loft with beautiful spiral staircase that adds so much charm and extra space to this home. It leads up to a loft that can serve as an office, game room, or for guests - whatever you like. Vaulted ceilings bring so space to the living area. Nice kitchen that overlooks the great room. The bedroom is oversized with a large walk-in closet. Good sized storage closet off the patio. Hard to find one bedroom this spacious and well maintained. This is such a wonderful and clean community. Community pool and spa, tennis and basketball courts. Perfect Chandler location.

1351 N Pleasant Drive N Unit 2062, Chandler
$449,900
3 Beds ⋅ 3 Baths ⋅ 7005586 MLS ⋅ 1,206 SqFt.
Cozy townhome nestled in a quiet and unique neighborhood, 5 mins drive to ASU. It has 3 bedrooms and 3 baths, spacious living room with balcony, brand new kitchen cabinets with self closing draws and counter top, new dishwasher. Laminated and tile floor, new interior paint, EV charger in garage. This home has everything you need, perfect for family and college students.

730 S Beck Avenue, Tempe
$335,000
2 Beds ⋅ 2 Baths ⋅ 7005261 MLS ⋅ 1,046 SqFt.
Ground-level condo in a gated Tempe community offering easy, low-maintenance living in a prime location. Minutes from ASU, Sky Harbor, Loop 101 & 202, plus dining, shopping, and everyday conveniences. Open layout with tile flooring, neutral finishes, and a seamless flow from kitchen to living space and out to a private covered patio. The kitchen features ample cabinetry, generous counter space, & a breakfast bar for casual dining. Spacious primary suite with a large walk-in closet & comfortable layout. Enjoy being just a short walk to the community pool, spa, & outdoor gathering areas. Attached garage, in-unit laundry, & ground-floor convenience complete the package. Ideal for a primary residence, second home, or investment opportunity.

1445 E Broadway Road Unit 115, Tempe
$240,000
2 Beds ⋅ 2 Baths ⋅ 7004877 MLS ⋅ 1,714 SqFt.
Beautifully maintained, clean and bright two-bedroom, two-bath condo ideally located just steps from Rec 1. The split bedroom floor plan makes this layout perfect and desirable while having guests. Home is being sold AS-IS and is offered fully furnished, creating a seamless, move-in ready opportunity perfect for seasonal or full-time living. All of this and much much more in the 55+ Active Community of Leisure World.

9 Leisure World --, Mesa
$310,000
2 Beds ⋅ 3 Baths ⋅ 7003925 MLS ⋅ 1,237 SqFt.
Make yourself at home in this lovely 2-bedroom townhome nestled in the desirable El Dorado Community! Enjoy entertaining guests in the inviting living room enhanced by a cozy fireplace. Neutral tone promotes a warm and welcoming atmosphere, complemented by tile flooring, bountiful natural light, and ceiling fans. Continue to the large eat-in kitchen, offering recessed lighting, stainless steel appliances, plenty of white cabinets, a convenient pantry, and granite counters. A powder room completes the main level. Airy primary bedroom includes a mirrored door closet and a private bathroom. Unwind on the cozy patio or take advantage of the fantastic amenities this Community showcases. Opportunities like this are rare. Act now before it's gone!

6262 E Brown Road Unit 29, Mesa
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