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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

$315,000
3 Beds ⋅ 2 Baths ⋅ 7051990 MLS ⋅ 1,392 SqFt.
Welcome to effortless living in this well-maintained townhome located in a gated community in East Mesa. Designed for both comfort and convenience, this residence offers a smart, functional layout with inviting living spaces and low-maintenance appeal--perfect for a primary residence, second home, or investment property. Enjoy access to resort-style community amenities, including a sparkling pool, clubhouse, park, and dog park, ideal for socializing, relaxing, and everyday enjoyment. The gated setting provides added peace of mind, while the central location offers easy access to shopping, dining, freeway access, and local conveniences. Whether you're looking for easy lock-and-leave living or a turnkey opportunity, this home delivers comfort, community, and convenience all in one.

7726 E Baseline Road Unit 234, Mesa
$355,000
3 Beds ⋅ 2 Baths ⋅ 7051865 MLS ⋅ 1,310 SqFt.
HUD Home - SAVE THOUSANDS! Welcome to the award-winning community of Eastmark! This charming 3-bedroom, 2-bath home boasts a huge covered barbecue pavilion right off the front door, perfect for entertaining. The primary suite is conveniently located downstairs and features granite counters, a dual vanity, a large walk-in shower with subway tile, and a walk-in closet. Upstairs, enjoy the great room with a large balcony overlooking the courtyard and pavilion. The kitchen is equipped with granite countertops, stainless steel appliances, and a pantry. This townhome community offers picturesque views of the well-stocked fishing lake, just a short walk away. Eastmark Community provides numerous amenities, including parks, a rec center, a community pool, a 50s diner, playgrounds, splash pads, and more! Experience the vibrant lifestyle Eastmark offers. Get your tour today!

9841 E Gamma Avenue, Mesa
$348,500
3 Beds ⋅ 3 Baths ⋅ 7051772 MLS ⋅ 1,466 SqFt.
See this interior lot- 3-bed, 2.5-bath townhome in the Community of Sanctuary on Center. This home comes with tile flooring in all the right places, and a large great room downstairs. Cook your favorite meals in the lovely kitchen, featuring white cabinets, a pantry, SS appliances, and a peninsula with a breakfast bar. New carpet in the upper level and stairs. The primary suite offers a walk-in closet, and a full ensuite with dual sinks. Enjoy the neighborhood's refreshing pool! Excellent location near parks, schools, and freeways for easy commuting to downtown Phoenix or Scottsdale. 2 car garage on the lower level.

1950 N Center Street Unit 110, Mesa
$489,900
2 Beds ⋅ 2 Baths ⋅ 7051712 MLS ⋅ 1,492 SqFt.
This move-in ready 2-bedroom, 2-bath townhome is filled w/natural light & offers an open, spacious floor plan, complete with golf course and mountain views! Welcome to effortless living in the highly sought-after Sunland Springs Village, one of Mesa's premier 55+ active adult golf course communities. Whether you're looking for a full-time residence or the perfect Arizona lock-n-leave, this home delivers. Sunland Springs Village is known for its vibrant lifestyle, featuring a 27-hole executive golf course, pickleball, fitness center, workout classes, arts and crafts, clubs, social events, swimming, and countless activities that make it easy to stay active and connected.

2662 S Springwood Boulevard Unit 356, Mesa
$499,000
3 Beds ⋅ 2 Baths ⋅ 7051244 MLS ⋅ 1,773 SqFt.
Enjoy beautiful golf course views from this well updated home in Sunland Springs Village in the heart of Mesa! Thoughtfully maintained and tastefully refreshed, this property features a remodeled kitchen with a stylish backsplash and newer appliances. The spacious primary suite offers a beautifully updated bathroom, while refreshed bathroom countertops and plantation shutters throughout add a modern, upscale touch. A two car garage provides ample storage and convenience. Major system updates--including a newer roof, A/C, and water heater--provide added peace of mind for years to come. Whether you're relaxing with golf course views or entertaining in the updated living spaces, this home offers the perfect blend of comfort, style, and convenience.

11069 E Kilarea Avenue Unit 120, Mesa
$489,000
3 Beds ⋅ 3 Baths ⋅ 7051185 MLS ⋅ 1,978 SqFt.
Looking to live in the HOTTEST AREA IN GILBERT? Welcome to The Lakes at Annecy, just minutes from vibrant SAN TAN VILLAGE's shopping and dining & easy access to Loop 202 freeway, where you will fall in love with this AMAZING home & urban-style living experience (including multiple lakes w/walking paths, swimming pools, playgrounds, basketball courts). This like-brand-new MOVE-IN READY 3 BR 2.5 BA plus OFFICE ~2000sf home w/2 CAR garage in The Lakes at Annecy -- derived from France's Lake Annecy known as the ''Venice of the Alps'' -- ALL FOR UNDER $500k is upgraded to the max. The GATED TREE-LINED community will give you that welcome home feel blended w/safety. As you approach, you'll find the PAVERED PORCH and 8' FRONT DOOR that leads to the QUIET DOWNSTAIRS OFFICE/DEN w/GLASS DOORS & BEAUTIFUL PLANK FLOORS, that extend to the STYLISH OPEN CONCEPT main living space that has an ABUNDANCE OF MUCH DESIRED NATURAL LIGHT. Be the proud owner of this VERY RARE "Annecy" GOURMET KITHEN that provides rich tobacco UPGRADED MAPLE CABINETRY w/42" uppers, beautifully contrasting Silver Falls GRANITE counters, SUBWAY TILE backsplash, COOKTOP w/HOOD, BUILT-IN OVENS, BLANCO QUARTZ SINGLE BOWL SINK, and large ISLAND w/PENDANT lighting. The HUGE WALK-IN PANTRY also provides a bonus storage area. When it's time to wind down, a relaxing OWNER'S SUITE has a FLOOR-TO-CEILING TILE surround w/RAINFALL showerhead, his/hers contemporary sink vanity, PRIVATE WATER CLOSET, and WALK-IN CLOSET. Head down the hall to the 2 OTHER BEDROOMS and FULL BATH. An attached 2 CAR garage includes a water softener loop for those silky smooth showers and laundry. Includes CEILING FANS and fresh paint. Just around the corner from your home you will have access to all the dining & social life activities that many "Zonies" drive many miles to access. And speaking of access, Loop 202 freeway is conveniently located to quickly get you to all parts of the southeast valley, including travel out of Phx-Mesa Gateway Airport. Welcome to an abundant life. And don't miss the MUST SEE VIDEO.

1686 E Chelsea Lane, Gilbert
$360,000
2 Beds ⋅ 3 Baths ⋅ 7050980 MLS ⋅ 1,100 SqFt.
Discover Townhome living at its best! Welcome to Villagio At Tempe. Move-in ready 2-bed 2.5 Bath. Enjoy low maintenance within this desirable gated community. New carpet, interior paint, washer and dryer, microwave & dishwasher. Spacious kitchen with granite countertops. A/C unit is 2 years old. Convenient 2 car garage with new garage opener. Great location! Loop 101 & 202, Sloan Park (Cubs Spring Training), Sky Harbor Airport, ASU Campus, Tempe Marketplace. Take advantage of great shopping and restaurants. Furniture available.

280 S Evergreen Road Unit 1304, Tempe
$494,000
4 Beds ⋅ 3 Baths ⋅ 7050971 MLS ⋅ 1,905 SqFt.
Take advantage of up to 2% in seller concessions, perfect for closing costs or an interest rate buydown to lower your monthly payment. Inside, you will find a thoughtful, open-concept floor plan featuring four bedrooms and three full baths, highlighted by a highly coveted bedroom and full bathroom on the main level that is ideal for a guest suite, multi-generational living, or a private home office. A beautifully refreshed Fulton home in South Chandler's premier 85286 zip code, offering an exceptional balance of space, functionality, and value. The interior has been tastefully updated with fresh neutral paint, brand-new carpet, upgraded lighting fixtures, a new kitchen faucet, and durable tile flooring throughout the primary living areas. Step outside to a private backyard featuring a covered patio with plenty of lawn and room to play, perfect for enjoying Arizona's ideal weather. The attached two-car garage features clean, durable epoxy flooring for added functionality. Situated in a desirable neighborhood with low HOA fees, residents enjoy access to exclusive community amenities, including a swimming pool, basketball court, scenic walking paths, and a shaded pavilion. Located within close proximity to top-rated Chandler Unified School District (CUSD) schools, local parks, dining, and shopping, this property combines everyday convenience with a quiet, established neighborhood setting. With generous square footage, a highly versatile floor plan, and 2% seller concessions available, this rare South Chandler opportunity will go fast.

1050 E Redwood Drive, Chandler
$290,000
2 Beds ⋅ 2 Baths ⋅ 7050895 MLS ⋅ 1,286 SqFt.
Amazing opportunity to own this 2 bedroom townhome in Heatherwood Village. The living room features high ceilings tile and laminate flooring throughout. The rear yard is fenced and would be perfect for your pet. The community boasts a playground, a lush green belt, a refreshing pool and well maintained community common areas. This community is near shopping, dining and quick highway access.

6720 E Encanto Street Unit 27, Mesa
$364,900
3 Beds ⋅ 3 Baths ⋅ 7050385 MLS ⋅ 1,750 SqFt.
Beautiful 2026 remodel 3BR/2.5BA townhome in desirable Knoell Ville Monaco! This stunning 1,750 sq ft home features a brand-new gorgeous kitchen with sleek quartz countertops, new cabinets, a modern sink, and stainless appliances. New LVP flooring, new carpet, and premium finishes throughout. Inside laundry with lots of storage cabinets. Upstairs, the spacious primary suite includes a generous walk in closet, sitting area, and a completely renovated bath with dual sinks. Enjoy a private patio and two attached carport spaces for ultimate convenience. Fantastic community amenities include a refreshing pool just steps away. Prime Tempe location near Baseline & McClintock-minutes from ASU, shopping, dining, parks, and top-rated schools with quick freeway access. Move-in ready - a must-see! shopping, dining, parks, and top-rated Tempe schools, with quick access to major freeways.

1926 E Duke Drive, Tempe
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