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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

$340,000
2 Beds ⋅ 3 Baths ⋅ 7050384 MLS ⋅ 1,100 SqFt.
Gated Gilbert Living, Steps from It All Coveted corner/end unit in a sought-after gated community in the heart of Gilbert, walking distance to Downtown Gilbert's restaurants, shops, and nightlife, and just footsteps from the up-and-coming Heritage Park. As an end unit, enjoy just one shared neighbor, an abundance of natural light throughout and an open floor plan. Freshly painted inside (including the garage!) with new carpet at entry and in the bedrooms, move-in ready, no projects needed. The open kitchen boasts Corian countertops, all new stainless steel appliances, RO, and an island perfect for meal prep or casual dining, flowing seamlessly into the great room over neutral 18x18 tile. Upstairs offers two spacious primary ensuite bedrooms, ideal for roommates, guests, or a home office, plus a convenient half bath for guests. This 3-story home also features an in-unit washer/dryer, private balcony, and attached 2-car garage. Clean, updated, and perfectly located, this one won't last long!

240 W Juniper Avenue Unit 1257, Gilbert
$349,900
2 Beds ⋅ 3 Baths ⋅ 7050320 MLS ⋅ 1,168 SqFt.
**PRIME GILBERT LOCATION!** Move-in ready townhome in the highly desirable Seawynds at The Islands! Beautifully updated with brand-new flooring, brand-new stainless steel appliances with warranty, a remodeled walk-in shower, and new easy-clean modern toilets. Vaulted ceilings and abundant natural light create a bright, open floor plan, while the spacious loft is ideal for a home office, media room, or flex space. Enjoy an attached 2-car garage with freshly painted floor, private patio, and low-maintenance living. Conveniently located near lakes, parks, Downtown Gilbert, SanTan Village, US-60, shopping, dining, entertainment, and top-rated Gilbert schools. A must-see!! End unit!

475 S Seawynds Boulevard, Gilbert
$325,000
3 Beds ⋅ 3 Baths ⋅ 7050272 MLS ⋅ 1,534 SqFt.
Discover the perfect blend of comfort and convenience in this beautifully renovated townhouse located in the charming community of Muirfield Village. The home boasts stunning plank tile flooring throughout the entire unit, highlighted with 9+ flat ceilings and a light-filled open atmosphere. Take advantage of the Arizona lifestyle with a private patio and quick, easy access to the community's heated pool, spa, and scenic walking/biking paths.

1265 S Aaron Drive Unit 304, Mesa
$450,000
3 Beds ⋅ 3 Baths ⋅ 7049940 MLS ⋅ 1,890 SqFt.
Fully furnished home, with 2 primary suites plus a third bedroom downstairs with a bathroom just across the hall, and a bonus loft. Each primary suite has its own walkout deck with courtyard and mountain views -- the west deck offers up-close views of Dinosaur Mountain! This isn't just a home it's a lifestyle! Located in the beautiful Tesoro Townhomes in Gold Canyon East, you're in the heart of Gold Canyon, close to five great golf courses, restaurants, bars, shops, and a grocery store. Tesoro residents enjoy a community pool, spa, BBQ area, clubhouse, and exercise room. This gated HOA maintains the exterior, including landscaping, roofs, stucco, and paint. Enjoy hiking, biking, and trail riding nearby, plus a short golf cart ride to golf!

10109 E Dinosaur Ridge Road, Gold Canyon
$245,000
2 Beds ⋅ 2 Baths ⋅ 7049711 MLS ⋅ 870 SqFt.
Charming 2-bedroom townhome in the highly desirable Sunstone community. Inside, you'll find a welcoming living room paired with a fireplace for chilly nights. A neutral palette creates an inviting atmosphere, complemented by tile flooring in common areas. The kitchen boasts SS appliances, a pass-through breakfast bar, and wood cabinetry w/crown molding. Updated 1/2 bath in the downstairs living area, Two spacious bedrooms located upstairs, along with a shared full bathroom! Each bedroom is equipped with soft carpet, a closet, and a vaulted ceiling that adds to the airy feel. The private yard, with a patio, is the ideal spot to relax or enjoy BBQ. The assigned carport space is an added perk. Conveniently close to schools, restaurants, shopping, entertainment, & much more.

1601 N Saba Street Unit 233, Chandler
$239,900
2 Beds ⋅ 2 Baths ⋅ 7049696 MLS ⋅ 1,152 SqFt.
This 2-bedroom, 1.5 bath townhome is an unbeatable opportunity in this well-established central Mesa community. Steps from the community pool and spa, this bright, light-filled home features a private patio, granite kitchen countertops, and beautifully updated vinyl flooring on the lower level. Updated hardware and lighting give this home a clean, move-in ready feel. A Brand-New Roof means real peace of mind for years to come. HOA covers exterior maintenance, water, sewer and trash, so low-maintenance living is built right in. Unbeatable location near Country Club & Brown - minutes to the Country Club/Main St light rail station, Downtown Mesa's Arts Center and restaurants, and the brand-new Residences on Main development going up right around the corner. A quick drive to Sloan Park and Riverview Mesa for shopping, dining and Cubs spring training. This won't last at this price - come see it before it's gone!

222 W Brown Road Unit 32, Mesa
$348,000
3 Beds ⋅ 3 Baths ⋅ 7049566 MLS ⋅ 1,340 SqFt.
OWNER FINANCING!Beautifully townhome in the heart of Mesa offering the perfect blend of style, space, and convenience. This move-in ready 3-bedroom, 2.5-bathroom home features a spacious open layout, brand-new flooring throughout, bright living areas, and a private outdoor space perfect for relaxing or entertaining. Enjoy the ultimate convenience of two covered parking spaces directly behind the unit, plus access to premium community features including large grassy play areas, a sparkling pool, and available RV parking. Ideally located just minutes from premier shopping, dining, entertainment, ASU, and Cubs Spring Training, with rapid access to major freeways. With extensive community amenities covered by the HOA, this is an incredible, low-maintenance opportunity for primary homeowners.

225 N Standage Road N Unit 58, Mesa
$269,500
2 Beds ⋅ 2 Baths ⋅ 7049521 MLS ⋅ 1,233 SqFt.
Private 55+ community of Las Alegres. Citrus and real green grass yards maintained by community, community fenced pool, inside spa, club house is remodeled with vinyl plank flooring in community room, kitchen, library, fitness & pool table room. Spacious 2 bedroom 2 bath home with added bonus office or optional room fully tiled. Large kitchen with newer appliances, smooth top range, microwave, dishwasher, Refrig included! Inside laundry with washer & dryer included! Tons of storage thru out home. Main bath & bedroom complete with ceramic plank tile. Shower redone in updated tile, newer vanity, mirrors & lighting. Glass barn door covers closet or bath. New carpet in 2nd bedroom. Shutters & ceiling fans throughout. Oversized 2+ car garage. Front courtyard. Come see this hidden gem across from community pool & clubhouse. Area for some RV storage. HOA is $260 per month which includes water, sewer & garbage, exterior maintenance, front yard maintenance, pool & clubhouse.

3345 E University Drive Unit 13, Mesa
$330,000
3 Beds ⋅ 2 Baths ⋅ 7049376 MLS ⋅ 1,118 SqFt.
NO HOA on a large corner lot in a prime Mesa location. Just minutes from US-60, close to the East Valley's best shopping and dining! This 3-bedroom, 2-bath twin home offers the perfect blend of comfort, functionality, and low-maintenance living. Features include a 1-car garage, secure 1-car carport, private gated front courtyard, and easy-care backyard. Inside, you'll find a functional split floor plan with beautiful tile flooring throughout, neutral paint, and ceiling fans in all the right places. The inviting living area flows into the spacious eat-in kitchen, creating a comfortable space for everyday living and entertaining. The private primary suite is separated from the secondary bedrooms for added privacy. Move-in ready and perfect for first-time buyers!

1261 E Harmony Circle, Mesa
$355,000
2 Beds ⋅ 3 Baths ⋅ 7049338 MLS ⋅ 1,242 SqFt.
MOVE-IN READY! Life feels a little different at The Lakes. Imagine morning walks around the water, afternoons by the Olympic-size pool, pickleball with friends, neighborhood events, and evenings spent enjoying one of Tempe's most beloved lake communities. With scenic lakes, mature trees, lush greenbelts, walking paths, a private Beach & Tennis Club, fitness center, boating, fishing, tennis, pickleball, basketball, racquetball, an active swim team, and a full calendar of clubs and activities, it's easy to see why so many people love calling The Lakes home. Tucked near the back of the community, this move-in ready two-story townhome offers the perfect blend of comfort, privacy, and low-maintenance living. Step inside to a welcoming living room featuring fresh interior paint throughout, brand-new carpet, updated laminate flooring in the living area, and a convenient main-floor powder room. The kitchen blends timeless style and everyday function with white cabinetry, granite countertops, stainless steel appliances, and an adjoining dining area that opens to a spacious, fully enclosed private patio--perfect for entertaining, relaxing, or enjoying Arizona's beautiful weather year-round. Upstairs, you'll find two true primary suites, each with its own private bathroom, walk-in closet, ceiling fan, and laminate flooring, creating a flexible layout that's ideal for guests, roommates, working from home, or simply enjoying the comfort and privacy of two spacious bedroom suites. Just minutes from ASU, Tempe Marketplace, Downtown Tempe, shopping, dining, entertainment, and convenient access to US-60, Loop 101, and I-10, this home offers more than just a place to live--it offers a lifestyle.

5619 S Admiralty Court Unit C, Tempe
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