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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

$450,000
1 Beds ⋅ 2 Baths ⋅ 7047355 MLS ⋅ 1,342 SqFt.
Beautifully renovated 1 bedroom/2 bathroom unit (2 underground parking spaces, elevator access, Live/Work Zoning) at the LOFTS AT ORCHIDHOUSE, offering the perfect blend of comfort and convenience! Discover a large open floor plan filled with lots of natural light, featuring elegant double-tiered wood shutters, stone & wood-look flooring. Spotless kitchen is equipped with built-in appliances, granite counters & backsplash, gas stove, plenty of cabinets, and a center island. Step up into the main bedroom suite, complete with a private bathroom and closet. Flexible den can be used as an extra bedroom, office, or media space. As an added bonus, a stacked washer and dryer are included. Great location, close to shopping spots, restaurants, parks, and more. Don't let this amazing gem slip by!!

21 E 6th Street Unit 312, Tempe
$310,000
3 Beds ⋅ 2 Baths ⋅ 7047267 MLS ⋅ 1,536 SqFt.
Move right into this beautifully refreshed 3-bedroom home in one of Tempe's most convenient locations! Featuring a brand-new roof (2026), new interior paint, and new carpet, the major updates are already complete. The functional floor plan offers three comfortably sized bedrooms, bright living spaces, and abundant natural light. Relax or entertain on the charming private patio with a newer storage shed. Located just minutes from Arizona State University (ASU), Tempe Marketplace, shopping, dining, parks, Phoenix Sky Harbor Airport, and Loop 101, Loop 202, and US-60. Whether you're a first-time buyer, investor, or looking to downsize, this move-in ready home offers exceptional value in an unbeatable Tempe location.

3953 S Mill Avenue, Tempe
$429,995
2 Beds ⋅ 2 Baths ⋅ 7047165 MLS ⋅ 1,188 SqFt.
Enjoy easy living in this beautifully updated single-level, ground-floor townhome in desirable Cantabria Shores at Ocotillo. This move-in ready 2-bedroom, 2-bath home features an open floorplan, spacious living room with a cozy fireplace, and a covered patio perfect for relaxing outdoors. The attached 1-car garage offers direct access and built-in cabinetry for added storage and convenience. Located in one of Chandler's most sought-after lake communities, residents enjoy exceptional amenities and a prime location close to shopping, dining, golf, and scenic walking paths. A perfect full-time residence, seasonal retreat, or lock-and-leave lifestyle opportunity!

3800 S Cantabria Circle Unit 1100, Chandler
$364,900
2 Beds ⋅ 2 Baths ⋅ 7047040 MLS ⋅ 1,297 SqFt.
Welcome to this exceptional opportunity in the sought-after 55+ community of Apache Wells 2 in Mesa! This popular ''A'' model offers 2 spacious bedrooms with walk-in closets, 2 bathrooms, soaring vaulted ceilings, beautiful tile flooring, and a desirable 2-car garage. Residents of Apache Wells 2 enjoy a resort-style lifestyle with a community pool and spa, clubhouse, fitness center, billiards room, and a variety of social activities and recreational amenities. Conveniently located near shopping, restaurants, golf courses, lakes, and major freeway access, this home offers the perfect combination of comfort, convenience, and active adult living. Don't miss your chance to make this wonderful home your own!

5830 E Mckellips Road Unit 34, Mesa
$250,000
2 Beds ⋅ 2 Baths ⋅ 7046953 MLS ⋅ 1,006 SqFt.
Discover the perfect blend of comfort, convenience, and location! This beautifully renovated 2-bedroom, 2-bath ground-level townhome offers the privacy of no neighbors above and easy single-level living. open floor plan., spacious bedrooms, Back lit Mirrors in Bathrooms and move-in-ready finishes throughout. Step outside and you're just moments from the community pool, Arizona State University, Mill Avenue, Tempe Marketplace, shopping, dining, entertainment, Sky Harbor Airport, and quick access to Loop 101 and US-60. Whether you're searching for your primary home, a winter retreat, or an investment opportunity, this Tempe gem puts you in the heart of everything. Don't miss your chance to own affordable living in one of the Valley's most desirable locations!

916 S Hacienda Drive Unit A, Tempe
$335,000
2 Beds ⋅ 2 Baths ⋅ 7046945 MLS ⋅ 975 SqFt.
Welcome to Beach Club Village at Val Vista Lakes, one of Gilbert's most sought-after communities and the address that actually delivers on the resort lifestyle promise. This is one of the larger units in the community, giving you the space to spread out without sacrificing the low-maintenance living you came here for. Your HOA covers water, sewer and trash, providing significant monthly savings compared to many standard Gilbert homes. It also includes roof maintenance, exterior maintenance, pest control and landscaping, making for easy, low-maintenance living. Step outside to a white-sand lagoon beach, Jr. Olympic pool, heated spa with waterfalls, six pickleball courts, tennis, racquetball and a full fitness center. Quick access to US-60 and Loop 202 puts SanTan Village, Dana Park Village Square and Downtown Gilbert's award-winning restaurant row minutes from your door. This is the unit in this community that gives you more room, more savings and more of the life you actually want.

1633 E Lakeside Drive Unit 165, Gilbert
$244,990
3 Beds ⋅ 2 Baths ⋅ 7046843 MLS ⋅ 1,343 SqFt.
The property is being sold as a professionally negotiated short sale. Please look under the document tab for a short sale explanation and status. This cozy 3-bedroom, 2-bathroom townhome offers 1,343 square feet of comfortable living in the heart of Mesa, Arizona. Centrally located just off the Loop 202, the home provides quick and convenient access to shopping, dining, entertainment, and major employment corridors. Inside, the well-designed floor plan features inviting living spaces filled with natural light, creating a warm and welcoming atmosphere.

222 W Brown Road Unit 57, Mesa
$425,000
2 Beds ⋅ 2 Baths ⋅ 7046730 MLS ⋅ 1,100 SqFt.
Golf course views, an extensive list of upgrades, and one of Mesa's most desirable communities... welcome to Mission Square at Alta Mesa. Perfectly positioned on the 9th fairway of the private Alta Mesa Golf Club, this beautifully updated home offers the ideal blend of comfort, style, and low-maintenance living. Enjoy your morning coffee or unwind in the evening from the oversized screened-in patio while taking in sweeping golf course views and Arizona sunsets. Inside, you'll find a home that's been thoughtfully updated from top to bottom. The remodeled kitchen features modern finishes and was completed in 2023, complemented by porcelain wood-look flooring, updated bathrooms, newer carpet in the bedrooms, and newer windows that fill the home with natural light. Major system updates provide peace of mind, including a new 3-ton HVAC system (2025), hot water heater (2025), roof coating (2026), new skylights (2026), and a recently completed screened-in patio (2026). Additional improvements include: " Full kitchen remodel (2023) " Porcelain wood-look flooring (2022) " Bedroom carpet (2024) " Updated bathrooms (2021) " New windows and stucco pass-through arch (2021) Located in the sought-after Mission Square at Alta Mesa, residents enjoy a heated saltwater pool and spa, beautifully maintained grounds, and a low-maintenance lifestyle, all just minutes from shopping, dining, golf, parks, and convenient freeway access. Move-in ready with the updates already done, all that's left is to enjoy the view.

1235 N Sunnyvale -- Unit 71, Mesa
$309,000
2 Beds ⋅ 2 Baths ⋅ 7046706 MLS ⋅ 1,133 SqFt.
1111 W Summit Pl is a residential home with practical interior spaces and outdoor living potential. The living area centers around a fireplace that adds warmth and ambiance, while the primary bedroom includes a walk-in closet for convenient storage and organization. A spacious patio extends the living area outdoors, creating room for dining, seating, or container gardening. Clean interior finishes support a polished, move-in-ready feel without distracting from the home's functional layout. This residence brings together everyday comfort, useful storage, and outdoor space in a well-presented setting.. Included 100-Day Home Warranty with buyer activation

1111 W Summit Place Unit 28, Chandler
$285,000
3 Beds ⋅ 2 Baths ⋅ 7046558 MLS ⋅ 1,186 SqFt.
Spectacular single level townhome with a great Mesa location. This recently updated townhome is an end unit and features three bedrooms and two bathrooms. Newer cabinets, appliances, flooring, baseboards, HVAC and water heater highlight the updates you find here.

225 N Standage -- Unit 136, Mesa
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