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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

$265,000
2 Beds ⋅ 2 Baths ⋅ 6993172 MLS ⋅ 945 SqFt.
Wow! This is a nice Townhouse in Northeast Mesa. 2 Bedrooms and 2 Bathrooms. Almost 1000 square feet. Kitchen includes Granite Countertops and Stainless Steel Appliances. Refrigerator, Washer and Dryer are Included. Washer and Dryer are in Almost New Condition. The kitchen area has had the ceiling raised making it feel very updated and spacious. Nice sized living room. Features a private patio as well. And, there is a Community Pool. HOA Fee includes Roof Repair and Roof Replacement, Water, Sewer and Garbage, Exterior Maintenance and a Blanket Insurance Policy. Hurry to this one!!

629 N Mesa Drive Unit 35, Mesa
$280,000
2 Beds ⋅ 2 Baths ⋅ 6992823 MLS ⋅ 1,084 SqFt.
Check out this charming first-floor 2 bedroom, 2 bathroom condo in Tempe! Located in the desirable Papago Park Village community near Scottsdale Rd. and Curry, this unit offers comfort and convenience in a prime location. Across the street from Papago village park and playground. The spacious primary suite features two mirrored walk-in closets and a well-appointed en-suite bath. You'll also enjoy a separate utility room and easy access to the nearby pool--one of three pools in the community. Close by- Arizona State University, Tempe Town Lake, Scottsdale, the 202 and 101 freeways, plus great shopping and dining--this location truly has it all!

925 N College Avenue Unit G126, Tempe
$290,000
2 Beds ⋅ 2 Baths ⋅ 6991243 MLS ⋅ 1,286 SqFt.
SHORT SALE. This property is perfect for medical professionals due to its proximity to the hospital and the homes floor plan. It essentially has 2 master suites and could easily be made into a 3 bedroom. The community has immaculate streets & front yard landscaping. It's the perfect combo for those that don't have the time to pull weeds and mow, but still has the perfect amount of backyard space for pets and raised bed gardening. The high ceilings, and a large family room give a spacious feel. The new flooring is a neutral LVP, with new taller baseboards throughout. Having options to lay rugs and create your own style for interior decorating. The Kitchen has all newer appliances, plenty of countertop space and pantry storage. The primary offers a spacious bedroom with a walk-in close and en-suite bathroom featuring dual sinks, and a walk-in shower with private toilet area. The guest suite has its own walk-in closet and private access to the hall bathroom and can be locked off from the common area as well. The Attached Garage offers 2 spaces and direct access to the house and along with a designated area for the trash cans. Not to mention the community's shared pool and heated jacuzzi being just down the road. The community parks are perfect for taking a dog to throw the ball, chat with neighbors and play with your children or fur babies, or just lounge on the grass while you take a breather. Truly a delightful neighborhood.

6720 E Encanto Street Unit 20, Mesa
$264,985
2 Beds ⋅ 1 Baths ⋅ 6991106 MLS ⋅ 900 SqFt.
PRICE REDUCED, TURN KEY, REMODELED HOME WITH 2022 AC UNIT, BRAND NEW ROOF! This 2 bedroom 1 bathroom home is completely remodeled throughout, including New Quartz Countertops with a waterfall edge, New Cabinets, with New Appliances, Clean Backsplash, New Floors, New Vertical Tiled Shower, Indoor-Outdoor Dining, Artificial Turf, and More! Located in the heart of Mesa, right down the road from Mesa Riverview, Riverview Park, Tempe Marketplace, Golf Courses, Restaurants, Freeway Access, Westwood High and More! With a Community pool, enjoy the summers and the quaint experience this community has to offer. The community is well taken care of and offers 2 covered parking spaces on the property as well! This townhome has it all! Washer/Dryer to convey but in as in condition.

861 N Revere -- Unit E, Mesa
$314,000
3 Beds ⋅ 2 Baths ⋅ 6990238 MLS ⋅ 1,400 SqFt.
Welcome to easy Arizona living in this beautifully maintained 3-bedroom, 2-bath condominium located in a desirable gated community in Mesa, Arizona. This inviting home offers a comfortable floor plan and a low-maintenance lifestyle with access to well-maintained common areas and a sparkling community pool, perfect for enjoying Arizona's sunny weather. Conveniently located near shopping, dining, parks, entertainment, and major freeway access, this home offers easy connectivity throughout Mesa and the surrounding East Valley. Enjoy the ideal combination of comfort, convenience, community amenities, and a great Mesa location. Come see all this home has to offer!

2831 E Southern Avenue Unit 216, Mesa
$350,000
2 Beds ⋅ 2 Baths ⋅ 6989037 MLS ⋅ 1,464 SqFt.
This two-bedroom, two-bath condo with a private one-car garage is ideal for residents looking for low maintenance living or second-home owners seeking resort-style living. A private first-floor foyer with a large storage closet provides extra space between visits, while all living areas are conveniently located upstairs. The open-concept layout features a spacious great room, dining area, and kitchen with granite counters, seating island, and pantry. Split bedrooms offer privacy, with a primary suite boasting an en-suite bath and walk-in closet. Private patio overlooks the community area--just steps from the pool!

250 W Queen Creek Road Unit 240, Chandler
$429,000
2 Beds ⋅ 2 Baths ⋅ 6987809 MLS ⋅ 1,034 SqFt.
Welcome to Hayden Square, where location and lifestyle come together in the heart of Downtown Tempe. This 2-bedroom, 2-bathroom condo offers a bright and inviting floor plan with vaulted ceilings, a cozy fireplace, stainless steel appliances, in-unit laundry, updated bathrooms, and a private patio. Ideally situated just steps from Arizona State University, Mill Avenue, Tempe Town Lake, and the light rail, you'll enjoy convenient access to dining, shopping, entertainment, and everyday essentials. Residents also enjoy community amenities including a sparkling pool, BBQ area, and covered parking. Whether you're looking for a primary residence, a lock-and-leave retreat, or a great opportunity in one of Tempe's most desirable locations, this home offers exceptional value and convenience.

154 W 5th Street Unit 250, Tempe
$319,988
3 Beds ⋅ 2 Baths ⋅ 6985524 MLS ⋅ 1,359 SqFt.
Beautifully maintained, owner-occupied, end -unit condo in the sought-after Superstition Lakes community in Mesa! This 3-bedroom, 2-bath home offers 1,359 sqft of living space with peaceful water fountain sounds from your private patio. Inside features wood plank flooring through the main living areas and primary bedroom, with new carpet in the two guest rooms for added comfort. New carpet on stairs. The open-concept design offers a spacious living room, well-appointed kitchen with new dishwasher, and abundant natural light. Two-car garage included. Newer HVAC system! Community pool access plus water, sewer, garbage, and cable covered. Extensive paved walking paths around multiple community lakes. Short-term rentals allowed, ideal for investors, seasonal residents, or full-time living.

6535 E Superstition Springs Boulevard Unit 242, Mesa
$369,900
3 Beds ⋅ 2 Baths ⋅ 6985215 MLS ⋅ 1,310 SqFt.
Discover this lovely two-story townhome in the sought-after Towns at Eastmark! Inside, you'll find a bright and comfortable open layout designed with comfort in mind, where you'll spend enchanting moments. The eat-in kitchen features ample cabinetry, spacious counters, and essential appliances. Get a good night's sleep in the main bedroom, offering a bathroom for privacy. The balcony is the perfect spot for relaxation-imagine yourself enjoying your favorite drink in peace! Great location close to top-rated schools, parks, and the freeway! Hurry up, this one won't last!

9845 E Gamma Avenue, Mesa
$275,000
2 Beds ⋅ 1 Baths ⋅ 6984726 MLS ⋅ 1,073 SqFt.
Welcome to this charming 2-bedroom townhome with a new roof that proves great living doesn't require extra square footage--just smart design. First perk? An attached carport, because hunting for parking should not be part of your daily routine. Step inside to a bright and inviting living room featuring a new decorative wall panel, new baseboards that are perfect for bringing in natural light or stepping out for a breath of fresh air. The kitchen strikes the perfect balance of style and function, with butcher block countertops, a tile backsplash, new lighting, built-in appliances, and a pantry ready to keep everything organized (including that snack stash you definitely don't share). Both bedrooms offer comfortable, well-designed spaces that feel like your own private retreat, ideal for restful nights, a home office setup, or whatever your lifestyle calls for. The bathroom features dual sinks, making busy mornings just a little more civilized. Out back, you'll find a covered patio for relaxing evenings, paved space for easy outdoor living, and a convenient attached shed for extra storage because holiday décor and "I might need this someday" items deserve a home too. Low maintenance, new closet doors, thoughtfully laid out, and full of charm, this townhome is designed to simplify your day-to-day. And if it's checking your boxes, it's probably checking someone else's too.

5308 S La Rosa Drive, Tempe
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