Arizona MLS Real Estate Search

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!

Also get access to our Realtor MLS UPDATED EVERY 5 Minutes!  That means EVERY home from EVERY Real Estate Company that is currently for Sale and FASTER THAN ZILLOW!

Questions or need help to get started with the mortgage process?
Call/text us at (480) 442-2502 or click the LIVE CHAT below.

What Is a Conventional Loan?

A conventional loan is any mortgage loan that is not insured by any government agency (i.e. FHA, VA or USDA). Today, most conventional loans are considered “conforming loans” because they are written to the guidelines set by Fannie Mae or Freddie Mac. The maximum conforming loan amount is currently $510,400 as of 2020.

Most conventional loan programs require 5% down.  However, you can obtain a conventional loan with 3% down through specific conventional loan programs designed to enhance affordable lending to creditworthy low to moderate income borrowers.

The Home Plus Program offers options for a conventional loan program with down payment assistance in Arizona.

Fannie Mae

Fannie Mae is the commonly used name for the Federal National Mortgage Association (FNMA). It is a government-sponsored enterprise and is a leading source of financing for mortgage lenders and offers the traditional 30-year fixed-rate mortgage that is otherwise known as a conventional loan along with other mortgage products. Fannie Mae provides uniform mortgage underwriting guidelines on a nation-wide basis.

Fannie Mae HomeReady Mortgage

HomeReady is Fannie Mae’s 3% down mortgage product. It has expanded underwriting guidelines to allow more flexibility and so it can be combined with down payment assistance in the form of grants, gifts and approved second mortgages offered by public, nonprofit and employer funds to finance down payment and closing costs.

In Arizona, the Fannie Mae HomeReady program is offered through the Arizona Housing Finance Authority, acting on behalf of the Arizona Department of Housing. The program is known as Fannie Mae HFA Preferred in Arizona. HFA stands for Housing Finance Authority. It offers fixed rate mortgages with terms between 15 and 30 years throughout most of Arizona (Pima County is excluded). It is one of the various loan options offered through the Arizona HOME Plus loan program.

Freddie Mac

Freddie Mac is the commonly used name for the Federal Home Loan Mortgage Corporation (FHLMC). It is a government-sponsored enterprise that was created in 1970 to provide competition for the previously established Fannie Mae and to further increase the availability of mortgages for home ownership in the United States. Freddie Mac also offers traditional conventional loan products with slight variations to its underwriting guidelines from those of Fannie Mae.

Freddie Mac Home Possible Advantage Mortgage

Home Possible Advantage is Freddie Mac’s 3% down mortgage program. It is intended to help first time homebuyers, military families and low and moderate-income borrowers. The Home Possible Advantage mortgage program can also be combined with down payment assistance in the form of grants, gifts and approved second mortgages offered by public, nonprofit and employer funds to finance down payment and closing costs.

This 3% down conventional loan program is also offered as an option in Arizona through the Arizona HOME Plus loan program. It is referred to as the Freddie Mac HFA Advantage Mortgage and is offered in all of Arizona except for Pima County. It is a fixed rate loan with a term not to exceed 30 years.

Why Would You Choose a Conventional Loan?

The main advantage to a conventional loan is that there is more flexibility related to mortgage insurance. Mortgage insurance protects the lender against borrower default. Because it is risk-based, it can cause a large increase in a homeowner’s monthly mortgage payments if they are putting less money down. Mortgage insurance is typically cheaper with a conventional loan than it is with a FHA loan. So, your payments could be lower.

Most of the government loan programs require mortgage insurance and some last the life of the loan. Conventional loans require mortgage insurance if your down payment is less than 20%; however, you have the option of removing it in the future. If you have a conventional loan, you can request that the mortgage insurance is removed if your home value increases or you have paid down your loan balance enough to have 20% equity. This is a result of the Homeowners Protection Act and it applies to single family, owner-occupied homes. In fact, the mortgage insurance is required to automatically cancel at 78% loan-to-value if you are not delinquent on your home.

Waiting Periods – Conventional Loans

The following are the standard conventional loan waiting periods for the major derogatory credit events.

  • Conventional loans after bankruptcy: The waiting period for getting a conventional loan after a chapter 7 bankruptcy is 4 years. The waiting period for getting a conventional loan after a chapter 13 bankruptcy is 2 years.
  • Conventional loans after foreclosure: The waiting period for getting a conventional loan after a foreclosure is 7 years after the foreclosure.
  • Conventional loans after short sale: The waiting period for getting an USDA loan after a short sale is 4 years.

FHA | VA | USDA 

 

HOMES WE CAN HELP YOU FINANCE

$469,900
2 Beds ⋅ 3 Baths ⋅ 7058482 MLS ⋅ 1,478 SqFt.
This is it! Lakefront premium homesite with views out of every window! Stunning 3-level prior model home has extra lavish upgrades that include extended kitchen island counter and seating, white apron designer undermount kitchen sink, gourmet ''GE Cafe'' stainless appliances, pre-wired speaker system with bluetooth throughout home and patios, sliding glass door upgrade for 2nd level patio, light wood color porcelain tile flooring throughout. Upon entry, you will find a 2-car tandem garage with plenty of space for storage and soft water system and custom epoxy flooring. On the second level, enjoy the spacious open concept living room and kitchen area, with natural light pouring through every window. Enjoy your coffee with views of the lake on both the lower and upper patios. The 3rd floor leads to both bedrooms, there are lakefront views from the primary bedroom with a walk-in closet, cultured marble double vanities and tile surround shower. Home is located near San Tan Mall and popular restaurants within walking distance. The Lakes at Annecy is a gated community with 3 community pools, spas, walking paths, landscaped trees and flowers, turtles and ducks, several lakes and playgrounds. Don't miss your chance at this one of a kind well kept model home with this waterfront view!

1661 E Hampton Lane, Gilbert
$234,500
2 Beds ⋅ 2 Baths ⋅ 7058474 MLS ⋅ 954 SqFt.
Welcome to this beautifully renovated 2-bedroom, 2-bathroom condo in the peaceful and well-maintained Emelita Place community. This move-in-ready home features a bright, open interior with abundant natural light, updated finishes, and a functional layout designed for comfortable everyday living. Enjoy the community pool just steps away, perfect for relaxing or cooling off on warm Arizona days. Ideally situated in a highly central Mesa location, you'll have convenient access to shopping, dining, parks, schools, freeways, and everything the Valley has to offer. Whether you're a first-time homebuyer, downsizing, or looking for a low-maintenance investment property, this charming condo offers the perfect combination of comfort, convenience, and community with a low HOA!

1730 W Emelita Avenue Unit 2102, Mesa
$425,000
2 Beds ⋅ 2 Baths ⋅ 7058439 MLS ⋅ 1,621 SqFt.
Charming Southwest-style home with distinctive character and spacious living areas that backs up to the Shalimar. Terracotta tile flooring flows throughout the open living room, kitchen, and bath, creating warmth and easy-care durability. The kitchen offers abundant wood cabinetry, granite-look counters, black appliances, a large peninsula with seating space, and an adjacent dining area. Enjoy a walk-in tiled shower, generous living room with built-in shelving and fireplace feature, and sliding-door access to the backyard. The front exterior features stucco architecture, arched details, covered entry, and an attached garage. A unique opportunity to add your personal touches while enjoying a flexible layout and classic Arizona appeal.

2075 E Cairo Drive, Tempe
$312,000
4 Beds ⋅ 3 Baths ⋅ 7058415 MLS ⋅ 1,518 SqFt.
Welcome home to this spacious and inviting 4-bedroom, 2.5-bath townhouse nestled in the heart of Mesa. From the moment you step inside, you'll feel the comfort and warmth of a home designed for making memories. With 1,518 square feet of thoughtfully designed living space across two stories, there is room to spread out, entertain, and enjoy everyday living. The main level features a spacious separate living area with a welcoming atmosphere, complemented by a light and bright kitchen with stainless steel appliances and a separate dining area perfect for family meals or gathering with friends. A generously sized laundry room with washer and dryer hookups adds everyday convenience. Upstairs, you'll find all four bedrooms, creating a private retreat away from the main living quarters. The Seller is offering a $5,000 credit toward carpet replacement with an acceptable offer, giving the buyer the opportunity to select carpet that fits their personal style. The home also boosts new windows throughout, complete with a 3-year warranty, providing comfort, efficiency, and peace of mind. A newer A/C system adds to the year-round comfort of this beautiful home. Step outside to your private, spacious patio with a storage shed -- the perfect place for enjoying Arizona evenings, outdoor dining, or additional storage. The property also includes two reserved parking spaces, including one covered space. The community offers an exceptional lifestyle with an oversized Olympic-size pool and a fantastic clubhouse, providing great spaces to enjoy with family and friends. The location is ideal, with convenient access to the light rail, ASU, shopping, dining, and entertainment. The HOA includes water, sewer, and garbage collection, adding value and convenience while making everyday living easier. With its spacious floor plan, thoughtful upgrades, private outdoor space, resort-style amenities, and prime Mesa location, this townhouse offers the perfect blend of comfort, convenience, and lifestyle. This isn't just a place to live -- it's a place to call home!

225 N Standage -- Unit 29, Mesa
$415,000
3 Beds ⋅ 2 Baths ⋅ 7058411 MLS ⋅ 1,330 SqFt.
Welcome home to this beautifully remodeled 3-bedroom, 2-bathroom townhome with a 2-car garage, offering modern updates and a fantastic location. Recent renovations include new flooring, cabinets, interior paint, baseboards, quartz countertops, and stainless steel appliances, creating a stylish, move-in-ready home. Enjoy a spacious and functional floor plan designed for comfortable everyday living. Residents also have access to a community pool, perfect for cooling off and relaxing. Additional features include gated RV/boat parking available for an additional fee, providing extra convenience for your recreational vehicles. Ideally located just minutes from Costco, Starbucks, Kiwanis Park, and an abundance of shopping, restaurants, entertainment, and parks, this home offers the perfect combination of comfort, convenience, and low-maintenance living.

6726 S Brittany Lane, Tempe
$290,000
3 Beds ⋅ 2 Baths ⋅ 7058368 MLS ⋅ 1,257 SqFt.
Style, comfort, and an unbeatable location come together in this beautiful townhome! This 3-bedroom, 2-bath home features wood-look flooring throughout, plantation shutters, soaring ceilings, neutral finishes, and a formal living room with a cozy fireplace. The kitchen is designed for both function and style with granite countertops, stainless steel appliances, large cabinetry, a breakfast bar, r/o system and a convenient laundry area. The spacious, main floor primary suite offers a full bath and ample closet space. Enjoy resort-style community amenities, including a sparkling pool and spa, while benefiting from a prime location with easy access to Loop 202, I-10, shopping, dining, and everyday conveniences.

500 N Gila Springs Boulevard Unit 123, Chandler
$260,000
3 Beds ⋅ 2 Baths ⋅ 7058316 MLS ⋅ 1,100 SqFt.
Welcome to this beautifully maintained 3-bedroom, 1.5-bath townhouse offering the perfect combination of style, comfort and convenience. Whether you are a first-time homebuyer, looking to downsize, or searching for a turnkey investment property, this home checks all the boxes. Inside, you'll find a bright and inviting living space with an updated kitchen featuring granite countertops, a beautiful backsplash, under-cabinet lighting and ample cabinetry, making meal prep and entertaining a breeze. A new HVAC system provides year-round comfort and added peace of mind. Enjoy the ease of covered parking and a low-maintenance lifestyle with an HOA that takes care of the exterior maintenance, allowing you more time to enjoy the community amenities, including a refreshing community pool. Ideally situated in Northwest Mesa, this home is just minutes away from shopping, dining and everyday conveniences. Spend weekends exploring Riverview Park, Sloan Park or Tempe Marketplace. Easy access to the nearby canal trails for biking or walking. Quick access to major freeways makes commuting throughout the Valley simple. This move-in ready townhouse offers the lifestyle, location, and value. Don't miss the opportunity to make it yours!!

1500 W Rio Salado Parkway Unit 122, Mesa
$325,000
2 Beds ⋅ 1 Baths ⋅ 7058272 MLS ⋅ 1,255 SqFt.
Charming Chandler Townhome -- Move-In Ready with Major Updates Welcome to 970 W Tulsa St, a well-maintained 2-bedroom, 1-bathroom townhome offering 1,255 square feet of comfortable living space on a low-maintenance 3,040 sq ft lot. With a very low HOA, this home is an excellent fit for a first-time buyer stepping into homeownership or an investor seeking a turnkey rental. Step outside to enjoy private patio space on both the front and back of the home -- a rare bonus that adds flexible outdoor living for relaxing, entertaining, or gardening. This home has been thoughtfully updated over the past few years, offering peace of mind for years to come: 2022: New roof and skylighting installed 2023: New AC unit 2025: New washer and dryer Ideally located, this home offers quick access to the 101 and 202 freeways, making commutes throughout the Valley simple and convenient. It's also just a couple of miles from Chandler Fashion Center and North Chandler's shopping corridor, with Downtown Chandler's dining, breweries, and arts scene only minutes away. Whether you're buying your first home or your next investment, 970 W Tulsa St delivers location, updates, and value in one great package.

970 W Tulsa Street, Chandler
$450,000
3 Beds ⋅ 3 Baths ⋅ 7058169 MLS ⋅ 1,968 SqFt.
This amazing two-story townhome in the desirable Tre Vicino Community is on a premium corner lot! Be welcomed by the inviting living room featuring a stone-wall fireplace & sliding glass doors leading the perfectly-sized backyard with covered patio, pavers, & artificial turf; perfect for fun gatherings & BBQs! The immaculate eat-in kitchen is a homeowner's delight, fully equipped w/granite counters, recessed lighting, espresso wood cabinetry w/crown moulding, pantry, & an island w/a breakfast bar. Enjoy the extra space in the downstairs den & loft upstairs! Retreat to the carpeted main bedroom, highlighting a private bathroom w/dual sinks. The location is spot on just minutes from downtown chandler. The community pool, parks & BBQ area is the cherry on top.

1255 N Arizona Avenue Unit 1173, Chandler
$240,000
2 Beds ⋅ 2 Baths ⋅ 7058034 MLS ⋅ 1,130 SqFt.
WITH AN ACCEPTABLE OFFER, SELLER IS WILLING TO OFFER CONCESSIONS TO ASSIST THE BUYER WITH CLOSING COSTS OR AN INTEREST RATE BUY-DOWN. Stunning, completely remodeled in July 2026 Condo 2 Beds, 1.5 Baths offer low-maintenance living. HOA covers landscaping, water, sewer, trash, Roof repairs and exterior building maintenance. Interior features fresh paint, quartz countertops, new floor, upgraded bathroom. New curtains, New light ceiling fan. Community pool and moving ready. Conveniently located close to ASU, Tempe Market place and tons of Food and Shopping. Very quick and easy access to Freeway 202.

1455 N Alma School Road Unit 40, Mesa
Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.