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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

$327,000
3 Beds ⋅ 2 Baths ⋅ 7077600 MLS ⋅ 1,116 SqFt.
THIS IS IT!!!!GREAT INVESMENT OPPORTUNITY WITH GREAT PONTENTIAL !!! LOCATION!!!LOCATION!!!LOCATION!! GREAT DESIRABLE NEIGHBORHOOD!! NICE AND COMFORTABLE OPEN SPACE WITH VAULTED CEILINGS!! DO NOT LOOSE THIS OPPORTUNITY!!

876 S Nebraska Street Unit 10, Chandler
$357,500
3 Beds ⋅ 2 Baths ⋅ 7077432 MLS ⋅ 1,464 SqFt.
Charming townhome offering comfortable living and convenient amenities! The light-filled interior features soaring vaulted ceilings and wood-look flooring, creating an open and inviting atmosphere. The spacious living room is ideal for relaxing or entertaining. The kitchen has stainless steel appliances, rustic cabinetry, granite countertops, and a breakfast bar perfect for casual dining or morning coffee. The main bedroom offers a walk-in closet and private bathroom for added convenience. Upstairs bedrooms feature mirrored-door closets, providing both style and ample storage. A versatile loft offers flexible space for a media area, home office, or additional living space. Additional highlights include a 2-car garage and a desirable location near parks, walking path, dining & shopping.

4330 E Jasper Drive, Gilbert
$315,000
2 Beds ⋅ 3 Baths ⋅ 7077375 MLS ⋅ 1,122 SqFt.
Exterior charm like 1600 N Saba in Chandler, AZ is where a house becomes a home, specifically unit 132 featuring 2 beds, 2.5 bathrooms, and beautiful upgrades throughout!! When you enter, you're attention is captured by the light wood-look LVP throughout, natural light, and tastefully upgraded 1/2 bath downstairs. Upstairs both bathrooms have been updated to continue the bright and airy feel the home provides. Both bedrooms feature the neutral and stunning LVP. Upstairs laundry is conveniently located between both bedrooms. Seller has carefully updated many areas in the home: 2024- All Flooring, Vanity's / shower/ tub / toilets, whole interior paint, NEW water heater + main water line piping and in 2025 - NEW WINDOWS, blinds + fans. No detail has been overlooked! Outdoors you can enjoy Arizonas sunsets in your private courtyard, spacious enough for seating or a patio table. You'll find private storage out back with a gate leading to your dedicated carport parking spot. Your home is conveniently located near the community pool, just minutes away from downtown Chandler, freeways (loop 202, 60, and 101). This location is a highly desired prime area of Chandler and move in ready for you!

1600 N Saba Street Unit 132, Chandler
$379,000
2 Beds ⋅ 3 Baths ⋅ 7077364 MLS ⋅ 1,321 SqFt.
$2,382.55 ASSUMABLE MONTHLY PAYMENT === Beautiful townhouse offering dual master bedrooms, 3 baths, and an open floor plan with 9+ flat ceilings. The living room provides a welcoming space for relaxing and entertaining. The stylish kitchen features quartz countertops, stainless steel appliances, tile backsplash, modern cabinetry, and a pantry. Upstairs, the spacious primary bedroom offers a vanity sink, step-in shower, and walk-in closet. A versatile loft provides additional space for an office, media area, or retreat. Enjoy the private patio and low-maintenance landscaping. Located in a gated community with biking and walking paths, a children's playground, and convenient access to a nearby bus stop. Don't miss this great Laveen opportunity!

7527 W Donner Drive, Laveen
$260,000
3 Beds ⋅ 1 Baths ⋅ 7077257 MLS ⋅ 988 SqFt.
Discover this charming 2-story townhome in the Hallcraft Villas Mesa Community! Featuring 3 BEDROOMS, 1 bathroom, and a low-care landscape. Inside, you'll find abundant natural light, wood-look floors, and an excellent open floor plan, creating a fresh & airy feel. The eat-in kitchen is equipped with white shaker cabinetry, a pantry, SS appliances, a corrugated metal backsplash, a breakfast bar, and a breakfast nook. Sliding glass doors provide easy indoor-outdoor living. Upstairs, the bedrooms offer ceiling fans, ample closet space, and soft carpet floors. The backyard features a patio, artificial turf, and a separate laundry/storage room, ideal for relaxing or entertaining. Enjoy a fenced community pool, plus convenient access to US-60, Mesa Community College, and more. Don't miss this!

600 S Dobson Road Unit 98, Mesa
$399,999
2 Beds ⋅ 2 Baths ⋅ 7077188 MLS ⋅ 1,069 SqFt.
Welcome to refined Arizona living in this beautifully updated 2-bedroom, 2-bathroom gated end unit Casita, ideally situated in the heart of Chandler. Thoughtfully designed with comfort, style, and convenience in mind, this exceptional residence offers an elevated lock-and-leave lifestyle. Step inside to discover a bright atmosphere with ample windows on all four sides, sophisticated interior featuring stylish modern updates, quality finishes, and an inviting open-concept layout designed for effortless everyday living and entertaining. The spacious living areas flow seamlessly into the kitchen and dining spaces, creating a warm yet upscale atmosphere. The primary suite offers a peaceful private retreat, while the second bedroom provides flexibility for guests, a home office, or personal space. Enjoy the rare convenience of a private non shared driveway 2-car garage, providing secure parking and additional storage. Outside your front door, resort-inspired community amenities create an atmosphere that feels like a getaway every day. Take a refreshing dip in the community pool, stay active in the well-equipped workout room, or simply relax and enjoy the beautifully maintained surroundings. Located in a highly desirable Chandler location, this home places you close to shopping, dining, entertainment, major employers, and convenient freeway access, making it an ideal blend of luxury, location, and lifestyle.

295 N Rural Road Unit 145, Chandler
$439,000
2 Beds ⋅ 2 Baths ⋅ 7077151 MLS ⋅ 1,237 SqFt.
Welcome home to this beautifully maintained, single-level Casita in the heart of Chandler! Offering 2 bedrooms, 2 bathrooms, and an attached 2-car garage, this turnkey home is designed for comfortable, low-maintenance living. The open and inviting floor plan provides a seamless flow between the living, dining, and kitchen areas, creating a comfortable space for both everyday living and entertaining. The two spacious bedrooms offer privacy and flexibility for guests, a home office, or additional living space. This completely turnkey property is ready for you to move right in and enjoy. The attached two-car garage provides secure parking and convenient additional storage. Residents also enjoy access to a fantastic selection of community amenities, including a sparkling pool, fitness center, and clubhouse--perfect for relaxing, staying active, and connecting with neighbors. Ideally located in Chandler, this home offers convenient access to shopping, dining, entertainment, major roadways, and everything the East Valley has to offer.

295 N Rural Road Unit 131, Chandler
$295,000
2 Beds ⋅ 2 Baths ⋅ 7077124 MLS ⋅ 964 SqFt.
ASSUMABLE FHA LOAN AT 2.375%! 🔥 Buyers -- don't miss this opportunity to take over a low-rate loan and potentially save hundreds each month! Welcome home to this charming 2-bedroom, 2-bathroom property in a highly desirable Mesa community! Step inside to vaulted ceilings and an abundance of natural light, creating a bright and open feel throughout. The kitchen features freshly painted white cabinetry with updated hardware, new garbage disposal, new dishwasher, all giving the space a clean, refreshed look. The spacious primary suite includes an updated walk-in shower, while a full-size laundry closet adds everyday convenience. Outside, enjoy a spacious private backyard with plenty of room to relax, entertain, or create your own outdoor retreat. Location is a major highlight--just 3 minutes from US-60 for easy access throughout the Valley and approximately 12 minutes from Downtown Gilbert where you'll find an incredible selection of restaurants, nightlife, shopping, entertainment, and community events. A fantastic opportunity for a primary residence, seasonal home, or investment property in a convenient East Valley location!

2455 E Broadway Road Unit 59, Mesa
$225,000
1 Beds ⋅ 2 Baths ⋅ 7077019 MLS ⋅ 956 SqFt.
Discover this charming condo in the highly desirable active adult community of Sunland Village East! This rare opportunity is located in the pet-friendly section and offers 1 bedroom, 2 baths, an inviting front porch, and a 1-car garage with built-in cabinets and a newer a/c! Step inside to find abundant natural light, a neutral color palette, plush carpeting, tile flooring, and a spacious living area. The eat-in kitchen features a convenient pantry, built-in appliances, and plenty of wood cabinetry and counter space. The generously sized bedroom offers a walk-in closet and a private full bath. Outside, enjoy a covered patio and separate storage room, providing the perfect combination of functionality and space for relaxing or entertaining. Sunland Village East offers an incredible resort-style living with pools and spas, golf, fitness centers, pickleball and tennis courts, and more. Conveniently located near US-60 and Loop 202, with easy access to shopping, dining, and everyday amenities.

8020 E Keats Avenue Unit 311, Mesa
$465,000
3 Beds ⋅ 3 Baths ⋅ 7076956 MLS ⋅ 2,060 SqFt.
INCREDIBLE BUYER INCENTIVES: $7,000 MORTGAGE CONCESSION. Seller will pay up to $7,000 at closing towards your interest rate buydown if you finance with lender of sellers choice. 55+ age restricted community. 3855 S McQueen Rd Unit 3 is a two-story Chandler townhome with an open-concept main level. The kitchen centers on an island with stainless steel appliances and ample counter space for meal preparation. The adjoining living and dining area flows through a sliding door to a patio for outdoor use. Upstairs, the primary bedroom includes an ensuite bathroom with double sinks, a separate tub and shower, and a walk-in closet for organized storage. Additional bedrooms and bathrooms provide functional living space, while a loft adds a flexible upstairs area. A two-car attached garage complet

3855 S Mcqueen Road Unit 3, Chandler
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