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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

$270,000
3 Beds ⋅ 1 Baths ⋅ 7062033 MLS ⋅ 896 SqFt.
Welcome to 830 S Dobson Rd, Unit 53! This beautifully renovated home combines modern design with low-maintenance living. The redesigned kitchen features new cabinetry, countertops, a statement waterfall island, full-height backsplash, and Samsung appliances. Upgrades continue throughout with new flooring, new bedroom carpet, new windows, an updated shower, new water heater, and convenient in-unit laundry.Enjoy your private yard with new artificial turf--perfect for relaxing or entertaining. The community has also received major improvements, including a renovated community pool completed last year and a recently redone parking lot. Google internet infrastructure is currently being installed in the community. Move-in ready with modern finishes throughout--come see this one in person!

830 S Dobson Road Unit 53, Mesa
$234,990
2 Beds ⋅ 1 Baths ⋅ 7061982 MLS ⋅ 902 SqFt.
MOVE-IN READY & BEAUTIFULLY UPDATED! This charming 2-bedroom, 1-bath Mesa townhouse has been refreshed with the upgrades buyers are looking for--including a remodeled kitchen, updated bathroom, new flooring throughout, and a new water heater. Even better, the roof has recently been replaced by the HOA, offering added peace of mind. The functional two-story layout keeps both bedrooms upstairs while providing comfortable living space on the main level. Conveniently located near shopping, dining, schools, and major roadways. Whether you're a first-time buyer, downsizing, or looking for an investment opportunity, this updated home is ready for its next owner

600 S Dobson Road Unit 87, Mesa
$299,800
2 Beds ⋅ 2 Baths ⋅ 7061822 MLS ⋅ 1,112 SqFt.
Enjoy low-maintenance living in the gated Villas Tuscany community, ideally located in desirable East Mesa near shopping, dining, golf, parks, medical facilities, and convenient freeway access. This move-in ready 2-bedroom, 2-bath home offers a functional open-concept floor plan, modern features, and the security and convenience today's buyers are looking for. Inside, you'll find vaulted ceilings, durable tile flooring throughout, 2-inch blinds, and a spacious great room designed for comfortable everyday living and easy entertaining. The open kitchen features a breakfast bar, pantry, abundant cabinetry with hardware, stainless-steel appliances, and a brand-new range/oven, making meal preparation both convenient and enjoyable. A soft water loop is also included. The private primary suite... offers a walk-in closet and en-suite bathroom, while the split-bedroom layout provides flexibility for guests, a home office, or roommates. Step outside to a covered patio--perfect for enjoying Arizona mornings or relaxing in the evening. Security screen doors at both the front and back entrances provide added peace of mind and allow for fresh air throughout the home. Located just a short walk from the community pool, this home offers the perfect blend of privacy, convenience, and resort-style amenities. Whether you're searching for a primary residence, lock-and-leave second home, retirement property, or investment opportunity, this home delivers outstanding value in one of East Mesa's most convenient gated communities.

64 N 63rd Street Unit 18, Mesa
$355,000
2 Beds ⋅ 3 Baths ⋅ 7061810 MLS ⋅ 1,100 SqFt.
Welcome to this beautiful 2-bathroom home in the desirable Villagio at Tempe community. The open great-room floor plan features a spacious kitchen and comfortable living area. Both bedrooms include generous walk-in closets, and the home also offers convenient inside laundry. Ideally located near the Loop 101 and 202 freeways, ASU and Tempe Marketplace. This well-maintained property combines comfortable living, attractive community amenities, and highly convenient Tempe location.

2402 E 5th Street Unit 1555, Tempe
$327,500
3 Beds ⋅ 2 Baths ⋅ 7061734 MLS ⋅ 1,385 SqFt.
**BRAND NEW A/C installed in July 2025!** Enjoy peace of mind knowing this high-efficiency system is only one year old and comes with a transferable warranty for the new owner. Welcome to this beautifully maintained home in the highly sought-after **Augusta Ranch** community, where comfort, convenience, and lifestyle come together. Perfectly situated close to the neighborhood's sparkling community pool, you'll enjoy resort-style amenities practically right outside your door. Inside, you'll find an inviting open-concept floor plan designed for both everyday living and effortless entertaining. The great room flows seamlessly into the kitchen, creating a bright and welcoming atmosphere. The kitchen is equipped with sleek stainless steel appliances, generous counter space, and excellent sightlines to the main living areas, making it ideal for hosting family and friends. One of the home's most striking architectural features is the stunning industrial-style spiral staircase, which leads to an expansive loft. Whether you're looking for a home office, game room, media space, workout area, or additional living room, this versatile loft offers endless possibilities. The thoughtfully designed split-level floor plan provides exceptional functionality. The private primary suite is conveniently located on the first floor with easy access from both the front entry and the attached two-car garage. The laundry room is also located on the first level, adding to the home's everyday convenience. Upstairs, you'll find two additional bedrooms, a full bathroom, and the main living spaces, offering an ideal layout for families or guests. Located just steps from the community pool, this home also backs up the incredible Augusta Ranch lifestyle with a beautiful tree-lined greenbelt nearby and an elementary school within easy walking distance. The HOA takes care of all front landscaping, giving you more time to enjoy the community and less time worrying about yard maintenance. Families will appreciate being located within an award-winning school district, including a highly regarded elementary school. Augusta Ranch is known for its prime Mesa location with convenient access to both the US-60 and Loop 202, making commuting throughout the Valley quick and easy. You'll also be just minutes from a wide variety of shopping, dining, entertainment, golf, and everyday conveniences. This exceptional home combines a versatile floor plan, beautiful community amenities, low-maintenance living, an unbeatable location, and the added value of a brand-new A/C system. Don't miss your opportunity to own a home in one of Mesa's most desirable neighborhoods!

9233 E Neville Avenue Unit 1147, Mesa
$250,000
2 Beds ⋅ 2 Baths ⋅ 7061417 MLS ⋅ 1,113 SqFt.
Pride of ownership shines throughout this hard-to-find 2-bedroom, 2-bathroom townhome with a 1-car garage in the highly desirable Red Mountain Villas community. This truly move-in-ready home has been extensively updated from top to bottom, including a 1-year-old A/C unit, new luxury vinyl plank flooring throughout, new baseboards, resurfaced kitchen cabinetry, a new single-basin sink with faucet and garbage disposal, and a complete set of brand new black & SS appliances, including the washer and dryer. The spacious primary suite features a beautifully remodeled walk-in shower, with brand-new bathroom vanities currently being installed. Additional upgrades include new lighting and ceiling fans throughout, new backsplash, new toilets, angle stops, and more. Homes in Red Mountain Villas rarely become available making this an exceptional opportunity you won't want to miss. Residents enjoy a beautifully maintained community featuring a heated pool and spa, perfect for year-round relaxation. Enjoy carefree living with HOA-maintained front and back landscaping, making this beautifully maintained home the perfect lock-and-leave residence for winter visitors, seasonal homeowners, or anyone seeking a low-maintenance lifestyle. Conveniently located just minutes from the Loop 202, you'll enjoy quick access to shopping, dining, hospitals, multiple golf courses, miles of scenic hiking and biking trails, and Saguaro Lake--all just 15 minutes away.

1951 N 64th Street Unit 4, Mesa
$298,000
2 Beds ⋅ 2 Baths ⋅ 7061395 MLS ⋅ 1,227 SqFt.
Beautifully maintained end-unit home in a fantastic location within the community! Enjoy added privacy and a short walk to the kids' play area and community pool. The 1-car garage is located directly beneath the home and features private interior stairs leading to all living spaces on the second floor, plus a separate storage area for added convenience. Inside, you'll find a spacious kitchen with cherry cabinetry, a glass-top range, and a refrigerator included. The kitchen opens to a balcony-perfect for enjoying your morning coffee or evening breeze. The generously sized primary suite features a private bath, while the large secondary bedroom has access to a second full bath. Gray wood-look LVP flooring, installed in 2021, adds to the home's modern, inviting feel. Great access to 202/60.

1265 S Aaron -- Unit 293, Mesa
$334,900
2 Beds ⋅ 3 Baths ⋅ 7061315 MLS ⋅ 1,200 SqFt.
Welcome home to this desirable CORNER UNIT TOWNHOUSE featuring 2-BEDROOMS, 2.5-BATHS, and 2 PRIVATE ENSUITE BATHROOMS. This OPEN-CONCEPT home showcases TILE & WOOD/LAMINATE flooring throughout and offers a spacious kitchen with MAPLE CABINETRY, GRANITE COUNTERS, STAINLESS STEEL APPLIANCES, and a BREAKFAST BAR--perfect for everyday living and entertaining. Convenient UPSTAIRS LAUNDRY is located near the bedrooms, while the main-level POWDER ROOM adds extra convenience. Relax on your PRIVATE PATIO with an exterior STORAGE ROOM and enjoy the convenience of 1 COVERED PARKING SPACE. Residents also enjoy COMMUNITY POOLS, ASSIGNED PARKING, and beautifully maintained COMMON AREAS with HOA-maintained FRONT LANDSCAPING. Ideally located near SCHOOLS, SHOPPING, RESTAURANTS, PARKS, and MAJOR FREEWAYS. A fantastic opportunity for FIRST-TIME HOME BUYERS, DOWN-SIZERS, or INVESTORS.

1600 N Saba Street Unit 172, Chandler
$339,950
2 Beds ⋅ 2 Baths ⋅ 7061085 MLS ⋅ 1,237 SqFt.
Location, location, location! Don't miss this incredible opportunity to own a single-level townhome in the highly desirable Dana Ranch Villas. Ideally situated less than five minutes from US-60 and just one mile from Village Square at Dana Park, you'll enjoy convenient access to shopping, dining, and entertainment. This freshly painted 2-bedroom, 2-bath home with a 2-car garage features an open, light-filled floor plan with vaulted ceilings, beautiful wood flooring, and new plush carpet in both bedrooms. The spacious kitchen offers ample cabinetry and counter space and includes all appliances, including the refrigerator. The inside laundry room comes complete with a side-by-side washer and dryer for added convenience. Step outside to enjoy your private, fenced backyard with a covered patio, perfect for relaxing or entertaining, as well as a charming front courtyard that adds to the home's welcoming appeal. The beautifully maintained community features lush green landscaping, mature shade trees, and a community pool just a short stroll away. Combining comfort, convenience, and an unbeatable location, this move-in-ready home is one you won't want to miss!

3510 E Hampton Avenue Unit 49, Mesa
$290,000
3 Beds ⋅ 2 Baths ⋅ 7061065 MLS ⋅ 1,368 SqFt.
3 bed, 2 bath property nestled in Ville Monaco! Great location close to restaurants, parks, medical centers, and schools.

5256 S Monaco Drive, Tempe
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