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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

$369,900
2 Beds ⋅ 2 Baths ⋅ 7059857 MLS ⋅ 1,184 SqFt.
Welcome to this beautifully refreshed 2-bedroom, 2-bathroom home in the desirable Villagio at Tempe community. Recent improvements include all-new flooring, fresh interior paint throughout, and an updated primary bathroom, creating a clean and move-in-ready space. The open great-room floor plan features a spacious kitchen and comfortable living area with direct access to a private patio overlooking the community's main pool and expansive grassy 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 1561, Tempe
$315,000
2 Beds ⋅ 2 Baths ⋅ 7059809 MLS ⋅ 1,509 SqFt.
Beautiful condo nestled in the prestigious Bridges at Ocotillo community offers exclusive access to amenities including tennis & pickleball courts, heated pool & spa, clubhouse, & workout room. High ceilings, loads of NATURAL LIGHT, abundant windows, sunny balcony with open views, & open floor plan create an inviting atmosphere. Two primary bedrooms with en suite baths & attached 2-car garage, ensures comfort & privacy. Near downtown Ocotillo & a short drive to downtown Chandler, you'll enjoy a vibrant social scene, art walks, dining, & shopping. This low-maintenance gated community is the perfect lock-&-leave experience. Go see your new home today!

705 W Queen Creek Road Unit 2192, Chandler
$289,900
2 Beds ⋅ 2 Baths ⋅ 7059759 MLS ⋅ 1,112 SqFt.
LOWER LEVEL, 2 BEDROOM, 2 BATH TOWNHOUSE NEXT TO THE COMMUNITY POOL. IMPROVEMENTS IN JULY 2026 INCLUDE: INTERIOR PAINT, NEW BASEBOARDS, ALL NEW LIGHT FIXTURES, BOTH BATHROOM SINK FAUCETS, KITCHEN FAUCET, MICROWAVE, 3 CEILING FANS, 2 TOILETS, GARAGE DOOR, AND OPENER.

2831 E Southern Avenue Unit 117, Mesa
$380,000
3 Beds ⋅ 2 Baths ⋅ 7059748 MLS ⋅ 1,227 SqFt.
Welcome home to this adorable & impeccably maintained single-level townhome offering 3 beds, 2 baths, EV charger & private backyard w/no neighbors behind! The bright, open floor plan creates a warm & inviting atmosphere, making it perfect for first-time homebuyers, investors, or anyone seeking an easy lock-and-leave lifestyle. The welcoming enclosed front porch is the perfect place to enjoy your morning coffee or visit w/neighbors. Conveniently located near shopping, dining, & freeway access, you'll love the balance of comfort & convenience. The HOA maintains the front landscaping for truly low-maintenance living, while residents enjoy a sparkling community pool just steps from a large grassy park. Move-in ready while offering exceptional value, this charmer is one you don't want to miss!

8415 E Peralta Avenue, Mesa
$305,000
2 Beds ⋅ 3 Baths ⋅ 7059685 MLS ⋅ 1,120 SqFt.
REMODELED with resort-style amenities! Recent upgrades include updated kitchen, bathrooms, appliances, and MORE! Inside, you'll find dual en-suites, fresh interior paint, neutral luxury vinyl plank flooring, newer stainless steel appliances, a cozy wood-burning fireplace, and a spacious laundry room with additional storage. The kitchen features modern white shaker cabinetry, quartz countertops, matte black hardware, a stylish backsplash, reverse osmosis, and a breakfast bar perfect for everyday living. The primary suite features vaulted ceilings, spacious double closets, new vanity with matte black faucet, and floating shelves. The guest suite includes a fully remodeled bathroom with designer tile, new plumbing fixtures, vanity, mirror, shower niche, and a spacious walk-in closet. Step outside to your private patio with pavers and exterior storage, creating the perfect low-maintenance outdoor space. The community features several greenbelts and walking paths. Enjoy a community pool, heated spa, covered parking, and easy access to the US-60, Loop 202, and SR-87, with shopping and restaurants just a short walk away. This beautifully updated home offers modern finishes, thoughtful upgrades, and an unbeatable location just minutes from Downtown Gilbert and Downtown Chandler. Whether you're looking for a primary residence, seasonal getaway, or investment opportunity, this home checks all the boxes with stylish updates, desirable amenities, and an exceptional location.

1961 N Hartford Street Unit 1027, Chandler
$388,000
2 Beds ⋅ 3 Baths ⋅ 7059674 MLS ⋅ 1,190 SqFt.
Move-in ready condo in one of Tempe's most desirable gated communities! This property is FHA eligible! Ideally located just minutes from ASU, the Cubs Spring Training facility, Tempe Town Lake, shopping, dining, and convenient freeway access. This well-maintained home features newer flooring throughout with all carpet removed, two spacious upstairs primary suites, including one with a beautifully remodeled shower, newer appliances, a newer water heater, updated ceiling fans, and modern light fixtures. Enjoy a private patio with no rear neighbors for added privacy, plus a one-car garage. Fantastic amenities including two pools for you to enjoy! A wonderful opportunity in an unbeatable Tempe location!

280 S Evergreen Road Unit 1251, Tempe
$325,000
2 Beds ⋅ 2 Baths ⋅ 7059581 MLS ⋅ 1,227 SqFt.
2-bedroom condo in a highly sought-after Mesa community! The updated kitchen features modern finishes and stylish countertops, and the refreshed primary bathroom offers a clean, spa-like feel. This home provides an open, comfortable layout along with a pantry, in-unit laundry, single car garage adds everyday convenience. The community is well maintained and offers great amenities, including a pool, greenbelt areas, and a playground. You'll also enjoy quick access to the US-60 and Loop 202, making commuting, shopping, and dining simple and stress-free. Move-in ready and perfectly positioned for low-maintenance living in East Mesa.

1330 S Aaron Drive Unit 215, Mesa
$309,000
2 Beds ⋅ 2 Baths ⋅ 7059488 MLS ⋅ 1,032 SqFt.
Enjoy breathtaking mountain and golf course views from this beautifully renovated patio home in the highly sought-after 55+ gated community of Fountain of the Sun! This thoughtfully updated 2-bedroom, 2-bath residence offers a bright, open-concept floor plan with spacious living and dining areas that flow into the beautifully updated kitchen featuring granite countertops, updated cabinetry, a breakfast bar, built-in microwave, dishwasher, and refrigerator. The generous primary suite includes a walk-in closet, while extensive upgrades include complete kitchen and bathroom renovations (2018), full flooring replacement (2018), full plumbing replacement (2018), partial electrical rewiring (2018), HVAC replacement (2015), a new roof (2023), and dual-pane windows. CLICK MORE... The washer and dryer are conveniently located in the back patio storage room, maximizing the home's interior living space. Relax or entertain on the extended covered patio while enjoying the picturesque golf course and mountain views. Walking distance to the main pool, spa, Activity Center, Birdie's Restaurant, Golf Pro Shop, and driving range. Enjoy resort-style Country Club living with golf, pickleball, bocce ball, a fitness center, scenic lake, library, plus convenient access to the US-60, shopping, dining, and airports.

607 S Desert Flower Drive, Mesa
$330,000
2 Beds ⋅ 3 Baths ⋅ 7059478 MLS ⋅ 1,184 SqFt.
Beautiful, move-in ready townhome featuring two spacious upstairs bedrooms, each with its own private en-suite bathroom. The bright, functional main level offers an open floor plan with updated flooring, recessed lighting, neutral paint, and a stylishly updated half bathroom for guests. Enjoy relaxing on the private patio, conveniently located just steps from the covered carport. Ideally situated facing a lush green space, this home offers a peaceful setting with easy access to the community pool. The washer, dryer, and storage shed all convey. Located near downtown Chandler, shopping, dining, and easy freeway access.

1961 N Hartford Street Unit 1004, Chandler
$399,900
3 Beds ⋅ 2 Baths ⋅ 7058779 MLS ⋅ 1,742 SqFt.
Fantastic opportunity to own this 3-bedroom, 2-bath townhome in La Mariposa Villas! Discover a serene living room w/ high ceilings, a soothing palette, recessed lighting, attractive wood-look flooring, & an inviting fireplace for relaxing evenings w/ loved ones. The well-appointed kitchen comes w/ granite counters, crisp white cabinetry w/ crown moulding, & sleek stainless steel appliances. This fully rebuilt home features a brand-new AC, updated roof, new windows, new exterior doors, a completely new bathroom, and a fresh, updated kitchen--everything is new! Make this gem yours!

1360 E Brown Road Unit 36, Mesa
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