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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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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

$300,000
2 Beds ⋅ 2 Baths ⋅ 7058016 MLS ⋅ 1,104 SqFt.
Best lot in this 55+ community. It was the highest lot premium when community was built. Gorgeous view of the Arizona skies and amenities, like heated pool & spa, tennis, pickleball, shufflboard, etc. Also has full-service kitchen, workout room, multi-purpose room, library, too many to mention. Every square inch is upgraded with new plank floors, also has granite counters, gorgeous backsplash, hotel-like bathrooms, spared no expense. Immaculate in every way. HOA covers Exterior Mnt of Unit; Roof Repair; Blanket Ins Policy; Sewer; Garbage Collection; Pest Control; Front Yard Maint; Common Area Maint; Street Maint. Community has endless activies, pot lucks and other fun.

1021 S Greenfield Road Unit 1193, Mesa
$385,000
3 Beds ⋅ 3 Baths ⋅ 7058015 MLS ⋅ 1,510 SqFt.
Move-in ready townhome in desirable West Main Station Village! This beautifully upgraded 3 Bedroom, 2.5 Bath home features an open floor plan with laminate flooring, granite countertops, stainless steel appliances, upgraded fixtures, a spacious pantry, and ENERGY STAR dual-pane windows. The master suite offers a walk-in closet, dual sinks, and an en-suite bath. Enjoy your own private, cozy patio perfect for morning coffee or relaxing evenings. Attached 2-car garage provides added convenience. Community amenities include a pool, spa, and walking paths. Conveniently located near Mesa Community College, Valley Metro Light Rail, shopping, dining, and easy access to the US-60, Loop 101, and Loop 202. Low-maintenance living at its best!

1406 W Main Street Unit 137, Mesa
$339,000
2 Beds ⋅ 3 Baths ⋅ 7057994 MLS ⋅ 1,456 SqFt.
This is NOT a CONDO! **This townhome is treated like a SIngle Family Residence for financing!**. NEW AC, NEW ROOF, REMODELED KITCHEN! Move in ready townhome located in a gated community.Well maintained 2 story situated adjacent to greenbelt. Walk up to your beautiful pavered patio complete with built in fireplace. Inside you'll see a light and bright floorplan, with newly remodeled kitchen complete with quartz counters and plenty of storage.Half bath located downstairs. Upstairs you will find 2 large Primary suites each with full baths, walk-in closets and walk out private balcony. Built-in desk conveniently located on the loft along with enclosed washer and dryer. Unit has attached 2 car garage.Community has pool and spa. Amazing location close to shopping and the freeways.

6710 E University Drive Unit 171, Mesa
$230,000
1 Beds ⋅ 1 Baths ⋅ 7057964 MLS ⋅ 865 SqFt.
This 1 bedroom plus loft, 1 bath residence in Mesa Coronado community in Mesa, AZ, close to freeways, shopping and dining is perfect for a full-time resident, a winter visitor looking for lock/leave seasonal home or an investor! It has been fully refreshed with new carpet, new neutral tone interior paint for any decor, all new appliances including new refrigerator and washer and dryer. Kitchen features stainless steel appliances, granite counters with breakfast bar and coordinating tile backsplash. The nice size bedroom includes spacious walk-in closet and bathroom offers granite countertop and tile surround shower/tub. Loft creates additional living space and has a closet and portable divider which makes it convenient for a second bedroom or visiting guests! Nice patio with storage room!

1432 W Emerald Avenue Unit 757, Mesa
$473,000
3 Beds ⋅ 3 Baths ⋅ 7057935 MLS ⋅ 1,618 SqFt.
Discover the charm of sought-after Alta Mira in South Tempe! Nestled in a quiet, beautifully maintained community, this move-in ready 3-bedroom, 2.5-bath townhome is updated throughout. Soaring vaulted ceilings, abundant natural light, a cozy fireplace and a stunning designer kitchen create an inviting space for everyday living and entertaining. Rare dual primary suites include one on the main level and a second upstairs with a private ensuite and dedicated split A/C. Enjoy a 2-car garage, extra storage, RV parking, plus a community pool, spa, tennis and pickleball courts. Ideally located with easy access to ASU, Downtown Tempe, Tempe Marketplace, major freeways, and walking distance to shopping, dining, and neighborhood favorites.

1843 E Sarah Lane, Tempe
$375,000
2 Beds ⋅ 2 Baths ⋅ 7057908 MLS ⋅ 1,104 SqFt.
This charming 2-story townhome in the gated Villagio at Tempe is move-in ready! It features 2 bedrooms, 2 bathrooms, & a 1-car garage with epoxy floors. The interior boasts vaulted ceilings, a neutral palette, tile & wood-look flooring t/out, and tons of natural light for a fresh & airy feel. You'll love the separate dining room! The open layout connects the kitchen & living areas, perfect for entertaining. A walk-in pantry, wood cabinetry, granite counters, and peninsula w/breakfast bar make up the culinary space. The main suite includes a private bath with a walk-in closet! It also includes access to the cozy balcony for outdoor relaxation. Enjoy access to the nearby sparkling pool & spa and a greenbelt, just behind the building! Directly across from spring training! Don't miss this gem!

2401 E Rio Salado Parkway Unit 1139, Tempe
$269,900
3 Beds ⋅ 2 Baths ⋅ 7057853 MLS ⋅ 1,144 SqFt.
Fresh, clean, and move-in ready! This Tempe condo features brand-new flooring throughout and a freshly repainted interior. The functional layout includes three bedrooms, two bathrooms, a spacious living area, and a private enclosed patio with additional exterior storage. The refrigerator, washer, and dryer are all included. An assigned covered parking space is conveniently located just outside the gate to the home. Great Tempe location near ASU, with easy access to the Loop 101 and 202 freeways, shopping, dining, and entertainment. Whether you're looking for a primary residence, housing near ASU, or an investment property, this condo is ready for its next owner!

826 S Casitas Drive Unit B, Tempe
$350,000
3 Beds ⋅ 2 Baths ⋅ 7057771 MLS ⋅ 1,380 SqFt.
Welcome home to this BEAUTIFULLY MAINTAINED 3 bedroom, 2 bathroom townhome in the sought after Tesoro at Greenfield community. The thoughtfully designed OPEN-LAYOUT offers a spacious floor plan with rich HARDWOOD flooring, VAULTED ceilings, and abundant NATURAL LIGHT that creates an inviting atmosphere throughout. The kitchen is well appointed with GRANITE countertops, wood cabinetry, built in appliances, a center ISLAND with breakfast bar seating, and plenty of counter space. A DOWNSTAIRS OFFICE provides the flexibility to create the perfect home workspace, playroom, or additional living area to fit your lifestyle. Upstairs, the private primary suite features a WALK-IN closet and an ensuite bath with DUAL VANITIES, while the additional bedrooms offer comfortable space for family or guests. Step outside to a low maintenance backyard complete with ARTIFICIAL TURF and a COVERED PATIO, perfect for relaxing or enjoying Arizona evenings. A rear entry 2 CAR garage and access to the community POOL add even more convenience. One of the community's most desirable floor plans paired with an unbeatable location just minutes from Downtown Gilbert's popular restaurants, shopping, and entertainment, plus CONVENIENT FREEWAY access, makes this home an exceptional place to call home.

1350 S Greenfield Road Unit 1202, Mesa
$429,999
3 Beds ⋅ 3 Baths ⋅ 7057755 MLS ⋅ 1,399 SqFt.
Welcome to this beautifully maintained 3-bedroom, 2.5-bath home in desirable Gated Villagio at Tempe! Across from Cubs stadium, near all shopping! Located 280 S Evergreen with abundant guest parking, this home offers an east-facing orientation for morning sun without the intense afternoon heat. Enjoy a private backyard with no neighbors directly behind. The HOA covers exterior maintenance, roof, blanket insurance, and exterior pest control. Updates include a high-efficiency 16 SEER A/C ( 5 years old), newer water heater, granite countertops, and refreshed downstairs flooring in 2025. Pride of ownership and consistent maintenance throughout! This one is the right one for you and your family. 2 Car garage and fresh backyard for you to imagine with pavers and

280 S Evergreen Road Unit 1247, Tempe
$489,900
3 Beds ⋅ 2 Baths ⋅ 7057754 MLS ⋅ 1,862 SqFt.
Welcome to 326 E. Huntington Dr., Tempe, AZ 85282, where modern upgrades, an unbeatable location, and exceptional privacy come together to create the perfect place to make home. This beautifully renovated, move-in-ready townhome has been thoughtfully updated from top to bottom, offering the ideal combination of style, comfort, and low-maintenance living. From the moment you step inside, you'll appreciate the bright, open layout, contemporary finishes, and inviting living spaces designed for both everyday living and effortless entertaining. Every detail has been carefully considered, making this home truly turnkey so you can simply move in and start enjoying everything Tempe has to offer. What truly sets this home apart is its premium location within the community. Unlike most units, this desirable townhome is uniquely surrounded by expansive grassy common areas to the right side and rear of the property, creating a peaceful setting with added privacy, beautiful views, and a spacious feel that's rarely available. Enjoy your morning coffee or unwind after a long day on the private patio while overlooking the lush greenbelt instead of neighboring homes. MAJOR 2026 UPDATES INCLUDE: AC REPLACED 2026 ROOF RECOATED 2026 ALL SEWER LINES RELINED 2026 Location is everything, and this home delivers. Ideally situated in the heart of Tempe, you're just minutes from Arizona State University, Tempe Marketplace, Mill Avenue, Sloan Park, Tempe Town Lake, top-rated restaurants, shopping, entertainment, and endless recreation. Commuting is effortless with quick access to Loop 101, Loop 202, US-60, and I-10, placing the entire Valley within easy reach. Whether you're a first-time homebuyer, investor, busy professional, or looking to downsize without sacrificing quality or location, this home checks every box. Opportunities like this don't come around often, especially with extensive recent improvements, unmatched privacy within the community, and a prime Tempe location. Homes with this level of updating, privacy, and location don't stay on the market long. Experience everything this exceptional townhome has to offer!

326 E Huntington Drive, Tempe
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