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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

$439,000
2 Beds ⋅ 2 Baths ⋅ 6924352 MLS ⋅ 1,342 SqFt.
This home is located in the amazing guard-gated resort community of Encanterra. **Owned Solar**This well-maintained 2-bedroom-2-bathroom-2-car garage home features an open Floorplan, tile flooring throughout. Plantation shutters, recessed lighting, and ceiling fans. The kitchen offers cabinets with crown molding, tile backsplash, stainless steel appliances, solid surface counters, and a prep island with a breakfast bar and desk area. The primary bedroom has a walk-in closet and a private ensuite with dual sinks. Don't miss the stacked washer and dryer. The spacious backyard is one of the larger lots in the community with mountain views. Covered patio. This incredible community offers Golf, Pools, Tennis, Fitness Centers, and a Restaurant.This home and community are a must-see!

943 E Cobble Stone Drive, Queen Creek
$274,900
2 Beds ⋅ 2 Baths ⋅ 6917474 MLS ⋅ 1,144 SqFt.
Your sweet condo home awaits your pleasure in this lovely gated, quiet community in the heart of Mesa. 202 Red Mountain freeway nearby with easy access to all points North, South, East, and West! It is move-in ready with fresh paint & carpet. Enjoy your morning coffee with golden sunshine flooding your space overlooking the pool and golf course from your balcony. Be at ease entertaining in your well-appointed kitchen with tons of cabinets & counterspace. All appliances included (fridge, washer & dryer). ONLY an electric bill (HOA covers the water, sewer, & trash)! The attached direct-access garage adds peace of mind + storage! Walk to nearby Fry's grocery, fitness club, vet, nails & more. Close to ASU & Cubs Spring Training. Move-In and enjoy EZ living today. HOA beautifully maintains the property with recent exterior building repaint and security lighting, new pool surround and fencing, new pedestrian gates and larger mailboxes.

1335 E June Street Unit 239, Mesa
$349,900
2 Beds ⋅ 2 Baths ⋅ 6912218 MLS ⋅ 1,479 SqFt.
Welcome to this charming 2-bedroom, 2-bath condo in the gated Toscano Villas of Gold Canyon. Situated on a desirable corner lot and directly across from the community pool, this home offers convenience and resort-style living. The bright and open floor plan features a spacious living area, well-appointed kitchen, and dining space perfect for everyday living or entertaining. The primary suite includes a private bath and ample closet space, while the second bedroom is ideal for guests or a home office. Enjoy the beauty of the Superstition Mountains and easy access to hiking, golf, dining, and shopping. Low-maintenance living in a prime location makes this the perfect retreat or full-time residence.

5370 S Desert Dawn Drive Unit 57, Gold Canyon
$329,000
2 Beds ⋅ 2 Baths ⋅ 6890789 MLS ⋅ 1,340 SqFt.
Welcome to this charming 2-bedroom, 2-bath patio home in a desirable 55+ community that features its own private community pool. Inside, you'll find a spacious living room, indoor laundry, and a large 2-car garage for added convenience. The private back patio offers a peaceful outdoor retreat, perfect for relaxing or entertaining. Also, the roofs were recently replaced in 2022.

2055 N 56th Street Unit 20, Mesa
$423,000
2 Beds ⋅ 2 Baths ⋅ 6843601 MLS ⋅ 1,379 SqFt.
Welcome to easy living in the heart of Mountain Bridge -- East Mesa's premier gated community at the base of the Red Mountains. SELLER CON-SESSIONS OFFERED This single-level Villa-concept bungalow lives like a private retreat. Natural light pours through the open layout, no carpet anywhere. Thoughtful storage throughout, an owned water softener, and a soft water loop add everyday comfort and value. Step outside to a beautiful private back patio with no neighbors behind you, plus a private driveway and gated courtyard entry -- a rare combination of seclusion and connection. 2- minute walk to pool and dog park, and clubhouse. The kitchen features granite counters, a gas cooktop, reverse osmosis, and stainless appliances built for both quick meals and entertaining. Premium HOA Must roof, stucco, exterior paint, and front yard landscaping are all maintained for you. That means more weekends and fewer to-do lists. Resort-style amenities are just steps away. The Villa Members Club offers a year-round heated pool, spa, billiards and card room, and fitness center. Cross the bridge to the Owners Club for a sprawling resort-style pool, tennis and pickleball courts, a full-size fitness center, chipping and putting green, lit sport courts, and more. All of this sits minutes from the Loop 202 Red Mountain Freeway, Usery Mountain Regional Park, Salt River recreation, top-rated Mesa Unified schools, and the shopping and dining of East Mesa. Whether you're looking to right-size, simplify, or settle into a community designed around connection and recreation, this Villa is ready to welcome you home.

2041 N 88th Street, Mesa
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