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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

$489,900
3 Beds ⋅ 2 Baths ⋅ 7057754 MLS ⋅ 1,862 SqFt.
Welcome to 326 E. Huntington Dr., Tempe, AZ 85282, where modern upgrades, an unbeatable location, and exceptional privacy come together to create the perfect place to make home. This beautifully renovated, move-in-ready townhome has been thoughtfully updated from top to bottom, offering the ideal combination of style, comfort, and low-maintenance living. From the moment you step inside, you'll appreciate the bright, open layout, contemporary finishes, and inviting living spaces designed for both everyday living and effortless entertaining. Every detail has been carefully considered, making this home truly turnkey so you can simply move in and start enjoying everything Tempe has to offer. What truly sets this home apart is its premium location within the community. Unlike most units, this desirable townhome is uniquely surrounded by expansive grassy common areas to the right side and rear of the property, creating a peaceful setting with added privacy, beautiful views, and a spacious feel that's rarely available. Enjoy your morning coffee or unwind after a long day on the private patio while overlooking the lush greenbelt instead of neighboring homes. MAJOR 2026 UPDATES INCLUDE: AC REPLACED 2026 ROOF RECOATED 2026 ALL SEWER LINES RELINED 2026 Location is everything, and this home delivers. Ideally situated in the heart of Tempe, you're just minutes from Arizona State University, Tempe Marketplace, Mill Avenue, Sloan Park, Tempe Town Lake, top-rated restaurants, shopping, entertainment, and endless recreation. Commuting is effortless with quick access to Loop 101, Loop 202, US-60, and I-10, placing the entire Valley within easy reach. Whether you're a first-time homebuyer, investor, busy professional, or looking to downsize without sacrificing quality or location, this home checks every box. Opportunities like this don't come around often, especially with extensive recent improvements, unmatched privacy within the community, and a prime Tempe location. Homes with this level of updating, privacy, and location don't stay on the market long. Experience everything this exceptional townhome has to offer!

326 E Huntington Drive, Tempe
$279,000
2 Beds ⋅ 2 Baths ⋅ 7057405 MLS ⋅ 1,227 SqFt.
Welcome home to this beautifully maintained corner unit tucked away in a quiet location you'll love coming home to. Enjoy the added privacy of a corner lot, the convenience of an attached one car garage, and a short stroll to the community pool and spa. Ideally located in East Mesa, you'll have quick access to the freeway, shopping, dining, parks, and everyday conveniences while still enjoying the peaceful feel of the community. Whether you're looking for your first home, a low maintenance lifestyle, or the perfect lock and leave retreat, this charming townhouse is move in ready and waiting for its next owner.

1250 S Rialto Drive Unit 59, Mesa
$300,000
2 Beds ⋅ 2 Baths ⋅ 7057254 MLS ⋅ 1,056 SqFt.
This is a recently remodeled 2-bedroom, 2-bathroom townhouse, located in a small, quiet community. This home is move-in ready. It features a fully remodeled interior with open-concept living space, featuring Tile floors and new carpet in the bedrooms. The refreshed kitchen with stainless steel appliances and quartz counters flows seamlessly into the dining and living areas. The primary suite offers a private, peaceful retreat with its own beautifully updated en-suite bathroom. Both bathrooms have been tastefully updated with modern finishes. The north facing backyard with no neighbors behind and arge turf area is perfect for get togethers, while the covered patio is perfect for morning coffee and weekend BBQs. It combines single-family feel with the low-maintenance perks of this home.

2926 E Isabella Avenue, Mesa
$329,900
3 Beds ⋅ 3 Baths ⋅ 7057228 MLS ⋅ 1,242 SqFt.
Discover unparalleled comfort in this remodeled end-unit townhome. This spacious residence boasts 3 bedrooms and 2.5 bathrooms, thoughtfully designed for modern living. The primary suite, conveniently located downstairs offers an attached bath. Step inside to an inviting atmosphere, refreshed with new interior paint and stylish LVP and tile flooring throughout. The heart of the home, the kitchen, shines with white cabinets, granite countertops, and new stainless steel appliances including refrigerator. Enjoy indoor-outdoor living with a large, private rear patio, perfect for entertaining or quiet relaxation. You will appreciate access to two sparkling community pools and a basketball court, which offer endless recreational opportunities.

860 N Mcqueen Road Unit 1114, Chandler
$279,999
3 Beds ⋅ 2 Baths ⋅ 7056842 MLS ⋅ 1,066 SqFt.
Welcome to easy, low-maintenance living in this beautifully updated, move-in ready second-floor condo in Chandler. This 3-bedroom, 2-bath home features a bright, functional layout with wood-look plank tile, updated carpet, refreshed interior paint, updated kitchen cabinets with soft-close doors and drawers, quartz countertops, stainless steel appliances, modern lighting, updated faucets, bathroom vanities, and stylish mirrors throughout. Tucked away in the back of the community for added privacy, the home also includes a covered parking space, private storage unit, and the refrigerator, washer, and dryer. Enjoy quick access to major freeways, shopping, dining, and everyday amenities. The community offers a sparkling pool, relaxing spa, shaded picnic ramadas, green spaces, and ample guest parking. Don't miss this opportunity to own a beautifully upgraded home in the highly sought-after City of Chandler!

286 W Palomino Drive Unit 120, Chandler
$329,000
3 Beds ⋅ 3 Baths ⋅ 7056634 MLS ⋅ 1,379 SqFt.
Welcome home to this beautiful 3-bedroom, 2.5-bath townhouse with a den and a bright, open floor plan. The spacious kitchen features stainless steel appliances, a kitchen island, and abundant cabinet storage, making it perfect for both everyday living and entertaining. Upstairs, the inviting primary suite boasts vaulted ceilings, a generous en-suite bath with dual sinks, and additional storage. Plus, there are two spacious secondary bedrooms and a bathroom. Step outside to enjoy the covered patio and relax year-round in the above-ground spa. Complete with a two-car garage and access to a sparkling community pool, this home offers the perfect blend of comfort, convenience, and low-maintenance living.

2024 S Baldwin -- Unit 22, Mesa
$245,000
2 Beds ⋅ 1 Baths ⋅ 7056420 MLS ⋅ 850 SqFt.
Welcome home to this charming 2 bedroom, 1 bath home featuring a spacious living room and a bright eat-in kitchen, perfect for everyday living. Enjoy the convenience of having the community clubhouse and pool just a short distance away. The HOA provides exceptional value by covering water, sewer, trash service, roof maintenance, street maintenance, and upkeep of the beautifully maintained common area, making for easy, low-maintenance living. Recently painted throughout with brand new carpet, this home is move in ready and waiting for its new owner.

909 N Revere Street Unit F, Mesa
$243,500
2 Beds ⋅ 1 Baths ⋅ 7056187 MLS ⋅ 902 SqFt.
Don't miss this charming single-level 2-bedroom, 1-bath end-unit townhome--one of the best values in Tempe and priced to sell! This move-in-ready home features newer dual-pane windows, an open layout, and a spacious covered patio with low-maintenance synthetic turf, perfect for relaxing or entertaining. Ideally situated on a quiet street, the home fronts a lush greenbelt and includes two assigned parking spaces with ample guest parking nearby. The HOA offers a community pool, sport court, expansive greenbelts, and RV storage. Conveniently located near restaurants, the Loop 101 & US-60 freeways, Ken McDonald Golf Course, Dutch Bros Coffee, and the popular Western Canal Path, a

925 E Lodge Drive, Tempe
$359,000
3 Beds ⋅ 3 Baths ⋅ 7055998 MLS ⋅ 1,704 SqFt.
Updated, Spacious Townhome in Tempe. Close to ASU,60 and 101Freeway. All bedrooms upstairs with huge master bedroom. Newer vinyl flooring throughout. Kitchen is updated with granite countertops, white cabinets and stainless appliances. Save energy with dual pane windows. Large back covered patio and large storage room with two covered parking spots. Relax and cool off in your community pool. Great starter Townhome or investment property.

1615 E Newport Drive, Tempe
$328,000
3 Beds ⋅ 3 Baths ⋅ 7055772 MLS ⋅ 1,566 SqFt.
Move in ready in a charming, well maintained gated community. This 3 bedroom, 2.5 bath townhome welcomes you with a private gated front courtyard and features one of the community's most desirable floor plans. The open concept living and dining area flows into a spacious kitchen with stainless steel appliances and abundant cabinet storage. A convenient powder room is downstairs. Upstairs, the spacious primary suite offers a private balcony, en suite bath, and two walk in closets. Both secondary bedrooms also feature walk in closets, and the upstairs laundry room adds everyday convenience. An attached 2 car garage completes the home. Enjoy community amenities including a pool, spa, and playground, all in an unbeatable Mesa location with quick freeway access. Just minutes from ASU, Banner Baywood Medical Center, shopping, dining, parks, entertainment, and multiple golf courses. Perfect as a primary residence, winter retreat, or investment property.

6710 E University Drive Unit 114, Mesa
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