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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

$227,400
1 Beds ⋅ 1 Baths ⋅ 7035339 MLS ⋅ 735 SqFt.
Welcome to this delightful single-story (ground level!) condo in the sought-after Solana Condominium Homes! The beautifully updated interior boasts fresh paint and brand new flooring, with a blend of soft carpeting and wood-look floors, crown molding, and plenty of natural light, making every space perfect for entertaining and relaxation. The pristine kitchen features flat-panel cabinetry, a two-tiered peninsula, and built-in appliances for a seamless cooking experience. Ideal for easy maintenance and comfortable living, with 1 spacious bedroom with a walk-in closet, and 1 bathroom. Enjoy your morning coffee on the covered patio. Convenient location close to restaurants, shopping, golfing, & freeways! MOTIVATED SELLER!! **SELLER WILL PREPAY HOA FOR 1 YEAR AT CLOSING FOR NEW BUYER**

1941 S Pierpont Drive Unit 1100, Mesa
$428,500
2 Beds ⋅ 2 Baths ⋅ 7035332 MLS ⋅ 1,742 SqFt.
WATERFRONT! Charming 2 BR 2 BA + Den (w/ barn door closure) Villa on the water and on a coveted corner lot. This home has personality plus! Kitchen has gorgeous granite countertops, pantry, dbl-oven gas range. Living area has a floor to ceiling rock feature wall with a built-in electric fireplace. Primary bath has striking bowl sinks and vanity. Garage has easy-care epoxy floors. Sun lovers can luxuriate in the backyard and sip a favorite beverage from the spool-a dipping pool when you want to cool off, and a bubbly hot tub when you want to unwind. Built-in BBQ with plumbed gas. Stay cool under the patio with commercial misting system. It's resort style living at its finest and the HOA covers roof repairs/replacement, front yard maintenance and ext paint. Province is an award-winning, guard gated, 55+ Adult community with 25 miles of walking paths, meandering lakes and greenspaces, pickleball, tennis, bocce, basketball, putting green, billiards, crafts, sewing, cafe, resort-style pool, indoor lap pool. So many activities! It's a wonderful lifestyle!

41987 W Dorsey Drive, Maricopa
$309,900
3 Beds ⋅ 3 Baths ⋅ 7035310 MLS ⋅ 1,437 SqFt.
Welcome home to this beautifully designed, low-maintenance townhouse located in the heart of Mesa! Featuring newer WINDOWS, newer AC Unit, an open and airy multi-level layout, this property seamlessly blends comfort and convenience. The main floor boasts a Spacious living area with Gorgeous Tile Flooring perfect for entertaining, a Large Open Kitchen Featuring Modern White Shaker Cabinets, Plenty of counter space, Nicely Appointed White Subway Tile Backsplash and Stainless-Steel Appliances. Upstairs, you'll find generously sized bedrooms, including a Private Primary Suite with an inviting En-Suite Highlighting a Luxurious Step-In Shower Fully Equipped with Resting Bench that serves as your very own personal retreat. Step outside to your private, covered large back patio, ideal for enjoying quiet Arizona mornings or weekend gatherings with friends and family. Situated in a charming community with easy access to shopping, dining, and major freeways, this home is a must see. Don't miss out on this lock-and-leave lifestyle opportunity!

2455 E Broadway Road Unit 8, Mesa
$363,900
2 Beds ⋅ 2 Baths ⋅ 7035216 MLS ⋅ 1,088 SqFt.
Prime Chandler lock-and-leave opportunity in gated Tre Allagio, beautifully remodeled and move-in ready. This upper-level end-unit townhome is tucked privately in the back corner of the community, directly across from the park/greenbelt area, offering one of the best interior locations in the complex. Inside, the home features vaulted ceilings, abundant natural light, no carpet, and a clean modern finish package throughout. The open living area flows to a refreshed kitchen with updated surfaces, stylish finishes, stainless appliances, and a bright contemporary feel. The split 2-bedroom, 2-bath layout provides functional privacy, while the private balcony adds outdoor living space overlooking the quiet community setting. Additional highlights include an attached 1-car garage, upgraded flooring throughout, refreshed bathrooms, modern fixtures, and a low-maintenance lifestyle with community pool, greenbelts, playground, BBQ areas, and gated entry. Excellent location near Price Corridor employment, Chandler Fashion Center, Loop 101, Loop 202, shopping, dining, and everyday conveniences. A strong option for a primary residence, seasonal home, or investment property in one of Chandler's most convenient locations.

2727 N Price Road Unit 57, Chandler
$255,000
3 Beds ⋅ 3 Baths ⋅ 7034889 MLS ⋅ 1,296 SqFt.
Seize the chance to own this end-unit townhome in Dobson Glen with Dobson Ranch amenities! You're welcomed by a serene living room with a soothing palette, wood-look flooring, a wet bar, and an inviting fireplace for cozy evenings. The well-appointed kitchen comes with quartz counters, ample cabinetry, recessed lighting, a tile backsplash, built-in appliances, and a practical pass-through with a breakfast bar for casual dining. The main bedroom includes soft carpeting, a private bathroom, and a convenient walk-in closet. Unwind at the end of a long day on the back patio. The Community boasts lush green spaces, serene lake views, parks, and well-maintained common areas. Don't miss out on this fantastic opportunity! Dobson Ranch amenities include: *Multiple recreation centers * Tennis courts * Pickleball courts * Swimming pools * Splash pads * Basketball courts * Lakes and walking paths * Community events * Club activities * Parks and playgrounds

2121 S Pennington Street Unit 2, Mesa
$265,000
2 Beds ⋅ 2 Baths ⋅ 7034583 MLS ⋅ 984 SqFt.
This property is located in a Community Lending-eligible area, offering potential buyers incentives such as reduced rates or closing cost assistance. Your Tempe Lifestyle Awaits! This 2-story, 2-bed, 1.5-bath townhome-style condo offers low-maintenance living without sacrificing the unbeatable urban convenience of being minutes from ASU and local hot spots. The lower level features a living room, a convenient half-bath, and an eat-in kitchen that flows seamlessly to your own enclosed rear patio. Upstairs, you'll find two bedrooms with roomy closet space and a full shared bathroom, providing a private retreat from the living areas below. Complete with a covered carport parking space and access to a refreshing community pool. Minutes from Downtown Tempe, Tempe Town Lake, and easy freeway access (Loop 202 & I-10). Don't miss this incredible opportunity!

1055 W 5th Street Unit 13, Tempe
$279,000
2 Beds ⋅ 1 Baths ⋅ 7034405 MLS ⋅ 858 SqFt.
Completely updated and move-in ready, this beautifully renovated single-level townhome in Bradley Manor offers comfort, convenience, and low-maintenance living in the heart of Tempe. Enjoy two covered parking spaces, a private storage unit, and direct access to Norton Park, the community pool, and expansive green space. The HOA provides exceptional value by covering water, sewer, trash, exterior maintenance, roof repair and replacement, and blanket insurance. Recent improvements include a new roof, HVAC system, dual-pane windows, cabinetry, quartz countertops, luxury vinyl plank flooring, appliances, and a beautifully remodeled bathroom. The spacious primary bedroom opens directly to a private patio, creating the perfect spot for morning coffee or evening relaxation. Conveniently located near ASU, shopping, dining, parks, major employers, and freeway access.

6507 S Kenneth Place Unit C, Tempe
$390,000
3 Beds ⋅ 2 Baths ⋅ 7034300 MLS ⋅ 1,560 SqFt.
With close proximity to Arizona State University makes this property ideal for students. The location is also great for professionals, winter visitors, or anyone who wants to enjoy everything Tempe has to offer while still having easy access to the rest of the Phoenix metro area. Your new 3-bedroom, 2-bathroom Tempe home offers the perfect combination of location, lifestyle, convenience, and flexibility in one of the most desirable areas of the Valley. Your new home is situated in a beautifully maintained community featuring a sparkling community pool, spa, tennis courts, walking paths, mature landscaping, and inviting common areas that create a true Arizona resort-style atmosphere. Whether you are looking for a low-maintenance primary residence, seasonal lock-and-leave home, or investment property, this community offers the lifestyle many buyers are searching for. Inside, your new home features a functional floor plan with spacious living areas, natural light, comfortable bedrooms, and flexible living space perfect for roommates, guests, a home office, or college living. The layout provides both privacy and functionality, making it a great fit for a variety of living situations. Previously operated as a successful Airbnb, this property also presents an outstanding opportunity for buyers looking for income potential or a flexible investment property in a high-demand location near ASU and some of the Valley's most popular destinations. Living here places you close to Arizona State University, Tempe Marketplace, Mill Avenue, Old Town Scottsdale, Sloan Park, Cubs Spring Training, Sky Harbor International Airport, Mesa Riverview, and countless shopping, dining, entertainment, hiking, golf, and recreation opportunities. Major freeway access including the Loop 101, Loop 202, US-60, and I-10 makes getting around the Valley simple and convenient.

1608 S Torre Molinos Circle, Tempe
$479,000
4 Beds ⋅ 3 Baths ⋅ 7034192 MLS ⋅ 1,747 SqFt.
What a beautiful 4-bedroom townhome nestled in the popular Via Sorento! This desirable end-unit gem offers comfort and style. Inviting great room enhanced by picture windows and bountiful natural light creates a warm and welcoming atmosphere. Lovely kitchen offers SS appliances, recessed lighting, fire sprinkler, granite counters, ample cabinetry with crown moulding, and a breakfast bar. Sizable primary bedroom is complete with plush carpet, a private bathroom with an enclosed glass shower, and a walk-in closet. Additional highlights include a 2nd main bedroom with its own bathroom and a flexible loft ideal for an office, TV area, or lounging space. Enjoy peaceful mornings on a cozy balcony or take advantage of the Community's exceptional amenities. Don't miss out on this amazing home!

240 W Juniper Avenue Unit 1116, Gilbert
$327,777
3 Beds ⋅ 2 Baths ⋅ 7034135 MLS ⋅ 1,558 SqFt.
Welcome to Alta Mesa Resort Village, a gated golf course community offering a relaxed, low-maintenance lifestyle in one of Mesa's most desirable locations. This beautifully maintained townhome is positioned directly on the 13th tee of the Alta Mesa Golf Course, with scenic views of the lake, lush fairways, and Arizona sunsets right outside your door. Residents enjoy resort-style amenities including a sparkling community pool, relaxing hot tub, and beautifully maintained landscaping that creates a peaceful setting throughout the year. Inside, the home offers three spacious bedrooms with generous closet space, plantation shutters throughout, and an attached one-car garage, a feature not always easy to find in a townhome community. The HVAC system was replaced in 2015. Whether you're searching for a full-time residence, winter getaway, or a lock-and-leave home with golf course views, this property offers flexibility, comfort, and convenience. Located close to shopping, dining, golf, parks, and freeway access, this is a great opportunity to enjoy the Arizona lifestyle in the heart of Alta Mesa.

5450 E Mclellan Road Unit 235, Mesa
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