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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

$405,000
3 Beds ⋅ 2 Baths ⋅ 7021463 MLS ⋅ 1,368 SqFt.
Experience elevated living in this beautifully upgraded Gilbert home, featuring wood plank tile flooring, granite countertops, and spa inspired renovated bathrooms. The open, modern layout extends to a private balcony, perfect for morning coffee or sunset views. Located in a premier community offering serene lakes, resort style pools, lush parks, greenbelts, and an exclusive clubhouse, this home blends upscale comfort with an exceptional lifestyle. All just minutes from top dining, shopping, malls, and major freeways in the heart of Gilbert.

2730 S Pewter Drive Unit 103, Gilbert
$299,900
2 Beds ⋅ 2 Baths ⋅ 7021096 MLS ⋅ 972 SqFt.
$28,000 price drop on an exceptionally stylish Tempe condo close to Arizona State University! Modern single-level split bedroom floor plan with vaulted ceilings, clerestory windows & open layout filled with natural light. Fully updated with premium tile flooring, glass enclosed walk in shower in primary bath, granite countertops, stainless appliances, satin nickel fixtures & designer finishes throughout. Spacious private backyard features covered patio, mature orange tree & extra storage room. Inside laundry/pantry, covered parking beside front door & outstanding functional layout. One of the most impressive condos in the area -- discover it & make it yours before it is gone. :)

633 W Southern Avenue Unit 1152, Tempe
$205,000
1 Beds ⋅ 1 Baths ⋅ 7020711 MLS ⋅ 705 SqFt.
Come and check out this move-in ready condo! The property is super close to Downtown Chandler and it's in a Gated Community! This cozy 1-bedroom, 1-bath ground-floor property offers comfort, convenience, and style, with crown molding and a Bead board ceiling. With 705 square feet of thoughtfully designed living space, this home is perfect for first-time buyers, seasonal residents, or anyone looking for low-maintenance living. Step inside to find a bright and inviting family room featuring, a cozy tiled fireplace, and an open layout that flows into the dining area. The Kitchen is equipped with Stainless steel appliances, raised panel cabinet doors with decorative pulls. The bathroom has a Walk-in-Shower and a granite countertop for the sink! Full Washer and dryer Inside the unit too There is good storage here and a covered patio, all next to the greenbelt area! Hot water heater is about 2 years old!! This property is Just 1.5 miles away from the heart of Downtown Chandler, and puts you right around the corner from one of the East Valley's most vibrant dining scenes, shops and live music options. Whether you're in the mood for a laid-back patio brunch, craft cocktails, or a lively night out, you'll have it all within minutes. Fun Living here means your weekends can be spontaneous, your evenings effortless, and your social calendar as full (or relaxed) as you want it to be, all just minutes from your front door. There are more than 4 dozen locally owned restaurants and here are a few to check out: SanTan Brewing Company, The Perch Brewery, The Hidden House, Crust Simply Italian, DC Steak House, Blacksheep Wine Bar, The Brickyard Downtown, Elliot's Steakhouse, The Maple House, Murphy's Law Irish Pub, Craft 64 Chandler, Acqua di Mare, Snooze, an A.M. Eatery, Over Easy Plus you have the Downtown Chandler Farmers Market and Chandler Center for the Arts for many events!! The Crowne Plaza Phoenix-Chandler Golf Resort and Hilton Garden Inn too! And you also have Padeland. A sports & social club in Downtown Chandler, offering a complete lifestyle ecosystem: indoor padel & pickleball courts, on-site restaurant, bar & brewery, sauna & cold plunge, co-working space and event space, all under one roof.

1075 E Chandler Boulevard Unit 104, Chandler
$405,000
3 Beds ⋅ 2 Baths ⋅ 7020541 MLS ⋅ 1,742 SqFt.
Here's your rare chance to own arguably the best Lakefront lot in La Mariposa Villas! Walking into this generously sized 3 Bed, 2 Bath you're instantly greeted with high ceilings and flooded with tons of natural light, highlighted by the direct lake views. This home has everything you need and want including a large primary suite with direct access to your patio with hot tub, ensuite primary bath with walk-in closet. The kitchen was recently remodeled with stainless steel appliances and tons of counter space. Your new flooring encompasses every square foot of this open floor plan. Enjoy the outstanding location and amenities including steps away from the community pool, easy guest parking, and tennis courts. Plenty of storage space with your 2-car garage. Shortlist this one!

1360 E Brown Road Unit 28, Mesa
$284,900
3 Beds ⋅ 3 Baths ⋅ 7020408 MLS ⋅ 1,255 SqFt.
**NEW A/C!** VERY well cared for Condo in a gated Community. Great location! This condo features a 2 car garage, new white kitchen cabinets 2021, fresh interior paint 2025, new updated light fixtures 2025, new roll down blinds downstairs 2024, new hot water heater in 2024, & updated shower in main bath 2024. Half bath is downstairs. 3 bed, and 2 baths upstairs. The new roof was completed by HOA within the last 2 years. All tile downstairs, including the stairs. NEW carpet upstairs Aug 2025! Full size washer & Dryer in hallway upstairs. Must see this adorable, CLEAN condo!

125 S 56th Street Unit 153, Mesa
$317,900
3 Beds ⋅ 2 Baths ⋅ 7019842 MLS ⋅ 1,339 SqFt.
Check out this charming 3-bedroom townhome! Explore the inviting living areas, featuring soft carpeting underfoot, tile in all the right places, track lights, and an earthy palette that makes every space feel warm and welcoming. The kitchen is complete with ample cabinetry, plenty of counter space, and built-in appliances for a seamless cooking experience. Get a good night's sleep in the main retreat, offering attached cabinetry for ample storage, a walk-in closet for added organization, and a private bathroom. The bonus is perfect for an office or pet space. Out back, you'll have an easy-care patio, perfect for weekend grills and peaceful evenings. What are you waiting for? Come see it before it's gone!

636 N Lesueur Circle, Mesa
$275,000
2 Beds ⋅ 2 Baths ⋅ 7019702 MLS ⋅ 870 SqFt.
Nestled in the heart of Chandler, this charming townhome offers a cozy living room with a corner fireplace. The upgraded eat-in kitchen features an R/O system and a breakfast bar. Upstairs, the bathroom shower was remodeled in 2023, and luxury vinyl flooring has been installed. The AC, washer, dryer, and water heater are all newer models. The kitchen cabinets have also been resurfaced, and the unit is equipped with smart switches for added convenience. On a cool morning, enjoy the private courtyard or take a dip in the community pool on a hot summer day.

1601 N Saba Street Unit 248, Chandler
$365,200
3 Beds ⋅ 3 Baths ⋅ 7019535 MLS ⋅ 1,590 SqFt.
Gated community with 2 pools and 2 spas with two grass areas to enjoy. This unit has a bedroom down with bathroom with shower. Upstairs are two bedrooms with both having bathroom inside the room. One bedroom has separate soaking tub and shower and the other is tub/shower. Just finished having inside all painted and as well as garage being done with epoxy. Included in sale are all appliances in home. Private backyard patio area with plants and one fruit tree with brick pavers. Close to freeways and grocery and shopping stores. OWNER DOING 1031 EXCHANGE

1015 S Val Vista Drive Unit 33, Mesa
$289,000
2 Beds ⋅ 3 Baths ⋅ 7019352 MLS ⋅ 1,202 SqFt.
One of the BEST priced listings in Mesa! Well-located 2 bedroom, 2.5 bathroom townhome offering a functional layout and everyday comfort. Both bedrooms are generously sized and feature private, updated en-suite bathrooms--an ideal setup for shared living, added privacy, or hosting guests--while a main-level powder room is perfectly placed for visitors. Wood-look vinyl flooring runs throughout, complemented by energy-efficient dual pane windows. The spacious kitchen offers gray cabinetry, ample counter space, and black appliances, opening to a living room anchored by a cozy corner fireplace. Generous storage throughout supports easy, practical living. Step outside to enjoy a greenbelt and community pool!!

6262 E Brown Road Unit 10, Mesa
$419,995
2 Beds ⋅ 2 Baths ⋅ 7019138 MLS ⋅ 1,590 SqFt.
Fully remodeled 2-bedroom, 2-bath single-level unit in a prime Tempe location. This light and bright home features an open layout with 9' ceilings and a cozy fireplace anchoring the living room. The updated interior offers modern finishes throughout, creating a clean and inviting space perfect for everyday living or entertaining. Enjoy the convenience of a spacious 2-car garage and easy, low-maintenance living all on one floor. Ideally situated just minutes from ASU, top dining, shopping, and Phoenix Sky Harbor Airport, this home combines comfort, style, and unbeatable location.

1081 W 1st Street Unit 16, Tempe
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