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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

$315,000
3 Beds ⋅ 1.5 Baths ⋅ 6754413 MLS ⋅ 1,320 SqFt.
Gorgeous townhouse in the desirable Mesa! This two-story unit greets you with wood-look floors, neutral paint that gives a bright feel, a powder room, and a spacious living room. The eat-in kitchen has a breakfast bar, stainless steel appliances, quartz counters, and popular white cabinets. Create culinary recipes in this kitchen! Upstairs, you'll find three carpeted bedrooms and a full bathroom with a tub/shower combination. The main bedroom boasts sliding doors to a private balcony, a charming makeup vanity, a walk-in closet, and direct access to the bathroom. Don't miss the washer and dryer included in the powder room! Serene backyard features green grass, convenient storage, and paved seating areas for relaxing. Plus, two carport spaces! Move-in ready unit!

2155 W Farmdale Avenue Unit 3, Mesa
$304,410
3 Beds ⋅ 2 Baths ⋅ 6754402 MLS ⋅ 1,224 SqFt.
This charming 3 bed, 2 bath home in Rancho El Dorado is move-in ready. Finished in 2021 and lovingly upgraded & cared for by the original owner. North/South exposure and energy star rated will keep your utilities low. Kitchen features a gas range, stainless steel appliances, staggered cabinets and granite countertops. Primary bedroom with a view to the beautiful backyard has an ensuite bathroom with large shower, double sinks and walk-in closet. All appliances included! Both yards have finished landscaping. Upgraded security screen door & private half-wall in front. Backyard has professionally installed turf, citrus tree and pavers that extend along the side yard to front of the home. The community has many parks & walking paths to enjoy with great views of the lake and mountains.

40466 W Hillman Drive, Maricopa
$405,000
3 Beds ⋅ 2 Baths ⋅ 6754384 MLS ⋅ 1,347 SqFt.
Beautifully upgraded 3 bed, 2 bath home with split floor plan in a quiet cul-de-sac. The open-concept living area connects the kitchen, dining, and living spaces, with newly painted interiors. The kitchen features granite countertops, a large island, stainless steel appliances, 42'' tall cupboards, and a reverse osmosis system. Bathrooms include 35'' tall vanities. Ceiling fans are installed in all bedrooms and living room. The extended garage offers a mini-split AC, an 8-foot tall door, and extra workspace. Fully landscaped yard with drip system, pavers, a Tuff Shed, and fruit trees. Close to parks, schools, and shopping.

4074 W Winston Drive, Laveen
$299,000
2 Beds ⋅ 2 Baths ⋅ 6754379 MLS ⋅ 1,016 SqFt.
This is a great opportunity to own a beautifully updated, downstairs 2 bedroom/2 bath condo in highly sought after Dobson Villas. Updates include: Removal of popcorn ceiling, new interior paint Kitchen & bathrooms have quartz countertops w/ new sinks, faucets, supplies lines, shut off valves, mirrors & vanity lights. New waterproof luxury vinyl plank flooring throughout w/ new baseboards, All new electrical outlets & switches, New window blinds. New dishwasher & built in microwave. All new door knobs & clothes hanging rods. New pantry shelves in the laundry area. The patio faces a beautiful greenbelt with shaded trees. Unit is close to the tennis/pickleball courts, community pool, and mailboxes. Covered parking spot is a short distance. Close access to the 60 & 101 Frwy, MCC, and hospital

2146 W Isabella Avenue Unit 127, Mesa
$497,105
3 Beds ⋅ 2 Baths ⋅ 6754374 MLS ⋅ 1,696 SqFt.
Ready October 29th!! Corner lot Next to all the amenities and park area. 3 Bedrooms plus DEN with 8ft slider, Granite counter tops, Rich Brown Cabinets with Nickel hardware, Subway tile backsplash, LVP and upgraded carpets!! Great sized backyard with extended covered patio to enjoy. Just steps away from all the amazing Amenities North Creek has to offer.

1018 W Finch Drive, Queen Creek
$457,244
4 Beds ⋅ 2.5 Baths ⋅ 6754367 MLS ⋅ 1,846 SqFt.
Ready October!! Near all the amenities and park area. 4 Bedrooms with 2.5 Bath, Quartz ''Ripleno'' kitchen counter tops, 42'' Benton Birch ''Arid'' Cabinets with Matte black hardware, tile backsplash, LVP Domain 7X92'' Aurora Oak and upgraded carpets!! Washer, Dryer, Refrigerator, 2'' Faux Wood Blinds, and finished side yard landscaping. Just steps away from all the amazing Amenities North Creek has to offer. HOA maintained front yard landscaping.

1256 W Sparrow Drive, Queen Creek
$500,000
3 Beds ⋅ 2 Baths ⋅ 6754361 MLS ⋅ 1,542 SqFt.
Discover your ideal home in one of Arizona's most sought-after towns! This well-maintained and updated home offers a newer a/c, open living and kitchen area with vaulted ceilings, granite countertops and backsplash. Home exudes sophistication with tons of natural light and tile flooring w/wood in bedrooms. Main bedroom boasts an ensuite with dual sinks, separate tub/shower, and a walk-in closet. Check out the large backyard with a covered patio, well-laid pavers, & artificial turf! Excellent location in the heart of Gilbert!

606 S Golden Key Street, Gilbert
$459,000
4 Beds ⋅ 2 Baths ⋅ 6754342 MLS ⋅ 2,079 SqFt.
This home is immaculate and move-in ready. It features a spacious open floorplan with 4 bedrooms and 2 bathrooms. The master suite is thoughtfully designed with split access and direct entry to the backyard. The kitchen is well-equipped with additional cabinets and ample counter space. The backyard is a serene retreat, showcasing beautiful mature landscaping, a tranquil water feature, and synthetic grass. Enjoy the large covered patio, complete with a separate cozy area ideal for a fireplace and seating. Plus, garbage collection is included in the HOA fee.

2260 W Mineral Butte Drive, San Tan Valley
$369,900
2 Beds ⋅ 2 Baths ⋅ 6754332 MLS ⋅ 1,416 SqFt.
What a GREAT PRICE on this Prairie sitting on a 7366 SF premium lot backing to the common area with view fencing. Such a Beautiful tranquil setting! Mountain views & sunsets from your front patio & beautiful morning sunrise from your back patio - best of both worlds! Great room with room for your big screen TV. Kitchen with staggered maple cabinets, Corian countertops & newer Samsung stainless steel appliances. Refrigerator, washer, dryer & water softener convey to the Buyer as a gift. Ceiling fans & Top down/bottom up shades throughout & Upgraded lighting. Master bedroom has exit to back patio which has been extended for maximum views! 2 car extended length garage. Solera is a gated 55+ community with state of the art fitness center, heated pool /spa, billiard room & lots of activities

270 W Twin Peaks Parkway, San Tan Valley
$362,380
3 Beds ⋅ 2 Baths ⋅ 6754328 MLS ⋅ 1,570 SqFt.
Est Completion Oct/Nov 2024! The Matterhorn. A useful, covered front porch and interior foyer welcome you into this spacious 3-bed floorplan. Front hallway leads to 2 secondary bedrooms, a full bathroom, and the laundry room. The coat & linen closets provide extra storage space. Main living space is open and inviting, offering a seamless Great Room & Dining Room. The kitchen is complete with a corner pantry and island with additional space for seating. Master bedroom is situated at the back of the home & offers a sizable walk-in closet. Smart Home Package, garage door opener, rain gutters, and front yard desert landscaping also included! AMAZING AMENITIES! This fantastic community offers a fitness center, community pool & spa, walking paths, basketball courts, and soccer fields.

5224 E Umber Road, San Tan Valley
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