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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

$293,000
3 Beds ⋅ 3 Baths ⋅ 7072331 MLS ⋅ 1,452 SqFt.
Charming 2-story townhome just minutes from ASU, Kiwanis Park, and three major freeways. This home features a remodeled primary bathroom and LVP flooring downstairs. All three bedrooms are upstairs, including an oversized primary suite that feels like a private retreat. Step outside to your own private spacious enclosed patio with a storage shed and artificial turf for your pets. The perfect space for morning coffee or evening unwinding. The HOA handles the roof, exterior maintenance, front yard, water, sewer, and trash, so you can spend your time enjoying the community's multiple pools, tennis courts, and basketball courts instead of on upkeep. Two assigned covered parking spaces are right outside your back patio for easy vehicle access. A great opportunity to add your own kitchen updates and build instant equity in an unbeatable Tempe location -- welcome home.

6558 S Granada Drive, Tempe
$235,000
2 Beds ⋅ 2 Baths ⋅ 7072279 MLS ⋅ 1,032 SqFt.
SINGLE-LEVEL TOWNHOME IN THE GUARD-GATED FOUNTAIN OF THE SUN 55+ COMMUNITY! The kitchen features tile flooring, a large window with plantation shutters & a peak through window, opening to the main living/dining area, with breakfast bar seating. Wood-look flooring flows through the living area, & a large sliding door provides access to the covered patio. The split primary suite also offers patio access, a walk-in closet with built-in shelving & an ensuite with an extended vanity, additional cabinetry & a glass-enclosed walk-in shower. A second bedroom with a wood accent wall, closet & nearby full bath provides flexible guest or office space. The patio includes a storage room with a washer/dryer & attached storage racks. An attached covered carport is located along the shared driveway. Community amenities include multiple pools, a spa, tennis, pickleball, a lake & walking/biking paths, with convenient access to Loop 202, US 60, shopping, dining & recreation.

754 S 79th Terrace, Mesa
$340,000
2 Beds ⋅ 2 Baths ⋅ 7072270 MLS ⋅ 1,237 SqFt.
Embrace easy living in this move-in ready, fully updated 2-bedroom, 2-bath townhouse located in the desirable Greenfield Glen 55+ community. This low-maintenance home features a functional open layout with new flooring, updated appliances, modern window shutters, and contemporary light fixtures throughout. Enjoy resort-style community amenities, including a sparkling pool and beautifully maintained common areas, perfect for Arizona living. Ideal for a lock-and-leave lifestyle, this affordably priced property offers comfort, convenience, and peace of mind. Don't miss this opportunity to enjoy carefree living in a quiet, welcoming adult community.

1021 S Greenfield Road Unit 1027, Mesa
$239,000
3 Beds ⋅ 2 Baths ⋅ 7072166 MLS ⋅ 1,230 SqFt.
Wow, Rare opportunity to own a move-in-ready Tempe home offering exceptional value and room to make it your own. After 25 years of caring ownership, this inviting 3-bedroom, 2-bath home is ready for its next chapter. Enjoy 1,230 square feet with generous room sizes, an easy-living layout, abundant kitchen cabinetry and new stainless-steel appliances. Want to minimize your commute? You're minutes from ASU, Price Research Park, the West Tempe corridor, MCC, Banner Desert and the 60, 101 and 202, plus walking distance to highly ranked Public Ward Traditional Academy. Enjoy a community pool, grassy common area, mature landscaping and covered parking. Hard to find in Tempe--location, square footage and value all in one.

2015 E Southern Avenue Unit 4, Tempe
$340,000
3 Beds ⋅ 2 Baths ⋅ 7072073 MLS ⋅ 1,131 SqFt.
This 3 bedroom, 2 bath home has been completely refreshed and is truly move-in ready, so you can skip the to-do list and start living. The big-ticket items are already done for you: new roof, new AC, new water heater, and new low-maintenance wood-look flooring throughout. Both bathrooms have been remodeled, and the kitchen and baths feature new countertops with fresh white painted cabinets. The whole home was repainted inside and out, including a soft Swiss Coffee interior, plus updated fixtures, trim, and some newer doors. Popcorn ceilings have been scraped for a clean, modern look, recessed lighting was added, and every bedroom has its own ceiling fan. Even the windows were upgraded to double pane at an earlier point, one more thing you won't have to think about. The refrigerator stays with the home. Parking is easy with a carport plus driveway space, and the fully fenced backyard is a blank canvas ready for whatever you have in mind, turf, a garden, pavers and a patio for entertaining, you name it. The HOA keeps the front yard maintained for you and gives you access to a community pool. The location is hard to beat: walk to Trader Joe's, Sprouts, the gym, or grab dinner at the Korean BBQ spot or Jake's, all just steps away. Downtown Gilbert is a five minute drive and the freeway is two minutes out. Whether you're downsizing, upsizing, or just want a home with nothing left to do, this one is ready and waiting. Come see it for yourself.

1837 E Intrepid Avenue, Mesa
$320,000
3 Beds ⋅ 2 Baths ⋅ 7072007 MLS ⋅ 1,342 SqFt.
Welcome to this updated condo nestled within a desirable gated community. Thoughtfully refreshed and truly move-in ready, this inviting home features fresh interior paint, brand-new carpet, and updated fixtures throughout, creating a bright, clean, space. The spacious floor plan offers comfortable living and dining areas with plenty of room to relax or entertain. 2-car garage w additional storage space. Water heater replaced in 2023 . Step outside and enjoy the family and dog friendly community amenities, including a refreshing pool, greenspaces & basketball courts. Ideally situated near the US60, shopping, dining, entertainment, this home offers a wonderful combination of comfort, style, and location. This beautifully refreshed condo is ready to welcome you home.

1350 S Greenfield Road Unit 2173, Mesa
$365,000
2 Beds ⋅ 3 Baths ⋅ 7071926 MLS ⋅ 1,217 SqFt.
Gated Tempe Townhome with Private Backyard & 2-Car Garage! Discover the perfect combination of location, comfort, and convenience in this inviting 2-bedroom, 2.5-bath townhome in the gated Alterra community. Featuring approximately 1,217 sq. ft. of living space, an open-concept floor plan, generously sized bedrooms, a loft, and well-appointed baths, this home is designed for easy everyday living. Recent updates include flooring, carpet, interior paint, roof, and A/C, giving the home a fresh, move-in-ready feel while providing valuable peace of mind. The home also features an existing alarm/security system for added convenience and security. One of the standout features is the private backyard, offering a peaceful outdoor retreat that's perfect for relaxing, entertaining, or enjoying Arizona's beautiful evenings. A 2-car garage provides secure parking and valuable storage. Enjoy community amenities including a sparkling pool and controlled gated entry, all while being just minutes from ASU, restaurants, shopping, entertainment, and convenient freeway access. Whether you're a first-time buyer, looking to simplify your lifestyle, or seeking a well-located investment, this home delivers the Tempe lifestyle you've been looking for.

5400 S Hardy Drive Unit 114, Tempe
$389,900
2 Beds ⋅ 2 Baths ⋅ 7071818 MLS ⋅ 1,516 SqFt.
Welcome to this charming end-unit townhome in the gated Community Park Center Place! Nestled on a corner lot, offering 2 beds, 2 baths, & a 2-car garage. Discover a large, living room paired with a fireplace! Vaulted ceilings add to the airy feel, complemented by tons of natural light. Enjoy the open kitchen with granite counters that shares a breakfast nook dining area. The main bedroom has a private bathroom with dual sinks & a walk-in closet. Secondary bedroom provides versatility. All freshly painted inside & out. If you want to relax or have a fun gathering, the private backyard awaits you with a covered patio & built-in BBQ grill! Near the Community pool/spa. Located in the heart of Mesa, close to Baseball, schools, shopping, dining options, and freeway.

45 E 9th Place Unit 19, Mesa
$335,000
3 Beds ⋅ 2 Baths ⋅ 7071731 MLS ⋅ 1,131 SqFt.
Nestled on a peaceful cul-de-sac! Enjoy owning this lovely 3-bedroom townhome featuring a 2-car garage and a private courtyard. Come inside to discover a welcoming living room filled with tons of natural light, neutral tone, and ceiling fans throughout. The eat-in kitchen offers stainless steel appliances, tile counters & backsplash, and plenty of honey oak cabinetry. Retreat to the perfectly sized primary bedroom, which provides sliding glass doors leading to the back patio, mirrored door closets, and a private bathroom with a glass step-in shower. Large backyard includes well-laid pavers, artificial turf, and a storage shed for added convenience. Excellent location, close to shopping centers, dining spots, and more. Don't let this amazing abode slip by!

1965 E Inverness Circle, Mesa
$450,000
3 Beds ⋅ 3 Baths ⋅ 7071725 MLS ⋅ 1,586 SqFt.
**3.25% interest rate. Yes, you read that right.** While today's buyers are staring at much higher rates, this home comes with something you don't see every day: **An assumable FHA loan at 3.25%.** Subject to approval, of course. But if you qualify? That rate could make a serious difference in your monthly payment. And the home? We could give you the usual list of features. But that's not why people remember this one. They walk in. They hit the kitchen island. And suddenly nobody's asking about square footage. Built in 2020. Gated. Private courtyard out front. And upstairs? **We're not spoiling that part.** Step outside and you've got the pool, lake, walking paths and pickleball. Even better? The HOA handles the roof, grounds and front yard. Less maintenance. More time enjoying where you live. But the 3.25% assumable rate is the part that should get your attention. Because homes come and go. Rates like this don't show up often. Come see what else we left out. Loan assumption is subject to lender approval, buyer qualification and applicable terms.

4077 S Sabrina Drive Unit 130, Chandler
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