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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

$275,000
2 Beds ⋅ 1 Baths ⋅ 6984726 MLS ⋅ 1,073 SqFt.
Welcome to this charming 2-bedroom townhome with a new roof that proves great living doesn't require extra square footage--just smart design. First perk? An attached carport, because hunting for parking should not be part of your daily routine. Step inside to a bright and inviting living room featuring a new decorative wall panel, new baseboards that are perfect for bringing in natural light or stepping out for a breath of fresh air. The kitchen strikes the perfect balance of style and function, with butcher block countertops, a tile backsplash, new lighting, built-in appliances, and a pantry ready to keep everything organized (including that snack stash you definitely don't share). Both bedrooms offer comfortable, well-designed spaces that feel like your own private retreat, ideal for restful nights, a home office setup, or whatever your lifestyle calls for. The bathroom features dual sinks, making busy mornings just a little more civilized. Out back, you'll find a covered patio for relaxing evenings, paved space for easy outdoor living, and a convenient attached shed for extra storage because holiday décor and "I might need this someday" items deserve a home too. Low maintenance, new closet doors, thoughtfully laid out, and full of charm, this townhome is designed to simplify your day-to-day. And if it's checking your boxes, it's probably checking someone else's too.

5308 S La Rosa Drive, Tempe
$450,000
2 Beds ⋅ 2 Baths ⋅ 6984722 MLS ⋅ 1,492 SqFt.
Beautiful Views from this unit, welcome to the best views of Superstition mountain, Two bedroom split floor plan offers east facing patio for morning coffer enjoying the morning sun and open golf course views. New roof being replaced March 2026. Pullout cabinets throughout kitchen.

11250 E Kilarea Avenue Unit 254, Mesa
$394,900
1 Beds ⋅ 1 Baths ⋅ 6984508 MLS ⋅ 882 SqFt.
Truly one of a kind, 1 Bed, 1 Bath, 882 s.f., 11ft Ceilings, loft style exposed ductwork! Here is a rare opportunity for any future urban dweller. This Loft at the Orchidhouse boasts amazing views and great SUNLIGHT from its expansive 3rd floor windows. Customizations galore!! Wood floors, custom painting, custom cut art glass, built-ins, stainless steel, and exposed brick walls. Recently remodeled bathroom with W/D and stainless steel kitchen appliances. Absolutely perfect for entrepreneurs looking for a LIVE-WORK flex space or for any urbanite searching for their very own home in the modern world! Enjoy Mill Avenue's shopping, dining & the Metro light rail, Mill Ave Streetcar, Whole Foods Market, Tempe Town Lake, ASU and all of Downtown Tempe's entertainment right out your front door!

21 E 6th Street Unit 311, Tempe
$269,900
2 Beds ⋅ 2 Baths ⋅ 6984053 MLS ⋅ 1,227 SqFt.
Welcome to this charming 2-bed, 2-bath townhome in Muirfield Village Condominium! The inviting interior showcases abundant natural light, a neutral palette, and soft carpet & tile flooring throughout. You'll love the seamlessly flowing open layout, perfect for everyday living & entertaining! The kitchen boasts black matching appliances, ample wood cabinetry, a pantry, and a 2-tier island w/breakfast bar. Enter the primary bedroom to find a full bathroom for added comfort. The sliding doors from the dining space open to the cozy balcony, where you can relax while enjoying your favorite beverage! This gem also includes an attached 1-car garage, ensuring secure parking and extra storage. Take advantage of the Community pool, spa, and playground. Excellent Mesa location! Don't miss this gem!

1255 S Rialto -- Unit 134, Mesa
$232,000
3 Beds ⋅ 1 Baths ⋅ 6980427 MLS ⋅ 988 SqFt.
BRAND NEW HVAC! Welcome to this beautifully updated 3-bedroom, 1-bathroom townhome in the heart of the Mesa Fiesta District. This move-in ready home features a modern kitchen with quartz countertops, stainless steel appliances, a subway tile backsplash, and updated cabinetry. The interior is finished with a mix of durable tile on the main floor and laminate wood flooring upstairs. Recent upgrades include newer windows, a sliding door and an updated bathroom with a walk-in shower. Enjoy community amenities like a sparkling pool, BBQ area, and green spaces. Perfectly located within walking distance to Mesa Community College and Banner Desert Hospital. Includes two assigned parking spaces.

948 S Alma School Road Unit 128, Mesa
$409,000
3 Beds ⋅ 3 Baths ⋅ 6979949 MLS ⋅ 1,679 SqFt.
Welcome to this beautifully maintained 3-bedroom, 2.5-bath condo located in a desirable gated community. This spacious home offers a well-designed floor plan with an open living and dining area, ideal for both everyday living and entertaining. The kitchen features ample cabinetry and counter space, with pantry. A convenient half bath on the main level adds extra functionality. Additional highlights include an attached garage, upstairs laundry, and low-maintenance living with community-managed exterior. Conveniently located next to shopping, parks and freeways

1255 N Arizona Avenue Unit 1061, Chandler
$349,900
2 Beds ⋅ 2 Baths ⋅ 6979733 MLS ⋅ 1,237 SqFt.
Brand New A/C. Embrace easy living in this move-in ready, fully updated 2-bedroom, 2-bath townhouse located in the desirable Greenfield Glen 55+ community. This low-maintenance home features a functional open layout with new flooring, updated appliances, modern window shutters, and contemporary light fixtures throughout. Enjoy resort-style community amenities, including a sparkling pool and beautifully maintained common areas, perfect for Arizona living. Ideal for a lock-and-leave lifestyle, this affordably priced property offers comfort, convenience, and peace of mind. Don't miss this opportunity to enjoy carefree living in a quiet, welcoming adult community.

1021 S Greenfield Road Unit 1045, Mesa
$469,900
2 Beds ⋅ 2 Baths ⋅ 6979681 MLS ⋅ 1,542 SqFt.
JUST REDUCED $60,000! Great value and opportunity to live in this amazing community of Encanterra. Take advantage of all the amenities it offers or just relax and enjoy the manicured common areas. This home was lived in for less than 3 months then seller relocated. It's like new but only better with window treatments, water softener, reverse osmosis, and all the little things that are needed. This Evia model offers great room living with modern stainless steel appliances, gas cooktop, large kitchen island, breakfast bar, and coffee station. Bathrooms have upgraded finishes and tiled surrounds. Primary bath offers floating dual sink vanity with undermount lighting, private toilet room, walk-in closet, and glass enclosed shower. Easy living, low maintenance, gated, and ready for you

506 E Citrus Hollow Way, Queen Creek
$370,000
3 Beds ⋅ 3 Baths ⋅ 6978858 MLS ⋅ 1,358 SqFt.
Finding a property that balances a prime location w/a ''no-expense-spared'' renovation is a rarity. Finding one with a first-floor primary suite & full basement is virtually unheard of! This one underwent a complete, ground-up transformation around 5 yrs ago. Forget the ''builder grade'' upgrades often seen in today's market. This home was meticulously reconstructed starting from bare plywood & drywall to ensure structural & aesthetic integrity. Newer premium wood-look tile flooring flows t/o main living areas anchored by substantial 4.5'' baseboards for a custom, high-end finish. Brand new carpeting just installed in all 3 bedrooms. HOA maintains roof/replacement, water/sewer/garbage, front yard/exterior/street/common areas. The chef's kitchen has been entirely reconfigured for a modern flow. It features custom cabinetry, stunning granite countertops, premium stainless steel appliance package, & an expansive island design. Total peace of mind comes standard. The home features entirely updated electrical wiring, newer outlets, & designer lighting fixtures. Beyond the surface, the "guts" of the home are newer, including a high-efficiency water heater, newer supply lines, & contemporary sinks. This layout was intelligently redesigned to maximize both comfort & convenience. Originally a 2-bath unit, this home now boasts 2.5 elegantly appointed bathrooms. Each features newer vanities topped with luxe marble & all-new commodes. Enjoy the rare convenience of a first-level primary bedroom, offering a private retreat without the need for stairs. The detached & oversized 2-car garage provides ample space for vehicles & all of your gear, while the basement offers that elusive extra square footage with 2 additional bedrooms for a home gym, theater, or workshop. Why settle for a view of a parking lot? This unit occupies the coveted "Golden Spot" of the community. Step out your front door & find yourself mere steps from the community pool & mailboxes- The ultimate in convenience. Your personal outdoor escape features a professionally landscaped yard with premium AstroTurf, providing a lush, green aesthetic year-round with zero maintenance required. This is a "ground-up" remodel. In a market of cosmetic flips, this home stands alone as a complete reconstruction! Enjoy weekend grills in the backyard, & don't forget to visit the community's pool for a refreshing time. Easy access to the 101, 202, & 60 freeways, near ASU Research Park, Intel, Chandler Regional Hospital, shops, dining, top-rated schools... You are at the center of it ALL! Come see it before it's gone!

2875 W Highland Street Unit 1133, Chandler
$362,500
2 Beds ⋅ 2 Baths ⋅ 6977552 MLS ⋅ 1,096 SqFt.
PRICE REDUCED! Resort-style living in the heart of Gilbert! This beautiful townhome is located in the highly desirable Lakes at Annecy community. The southeast-facing unit is filled with natural light and enjoys a prime location directly across from a park-like setting featuring a lake with fountains, resort-style pool complex, and children's playground. The home offers direct access from the 2-car garage and a thoughtfully designed layout ideal for modern living. The kitchen boasts ample quartz counter space, sleek cabinetry, and beautiful appliances, perfect for both everyday use and entertaining. The living area opens to a private balcony, providing additional outdoor space. Additional features include a full-size stackable washer and dryer, included with the home. Conveniently located within walking distance to shopping, dining, and entertainment, with easy access to the Loop 202. Just minutes from SanTan Village Mall and Mercy Gilbert Medical Center. This is a fantastic opportunity to enjoy low-maintenance living in one of Gilbert's most sought-after communities.

2750 S Voyager Drive Unit 101, Gilbert
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