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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

$255,000
2 Beds ⋅ 3 Baths ⋅ 7069996 MLS ⋅ 1,109 SqFt.
Move-in ready and ideally located, this 2-bed, 2.5-bath townhome offers comfortable living in a desirable gated Mesa community! Perfect for first-time buyers or anyone seeking a low-maintenance lifestyle, this home features tile flooring on the first level, beautiful hardwood flooring upstairs, and tall ceilings. The kitchen flows seamlessly into the living room, making everyday living and entertaining a breeze. Step outside to your private patio, which opens to a peaceful greenbelt. Additional highlights include assigned parking, a community pool, and an A/C unit replaced in 2022. The HOA includes water and trash for added convenience. Enjoy an excellent location near the Mesa Arts District, light rail, dining, shopping, and everyday amenities!

455 S Mesa Drive Unit 149, Mesa
$359,000
4 Beds ⋅ 3 Baths ⋅ 7069840 MLS ⋅ 2,622 SqFt.
This spacious home offers over 2,600 square feet of living space, including a BASEMENT! The cool basement features a large great room, two bedrooms, a full bathroom, Den/Office & laundry room. While the Primary suite, guest bedroom, living room and kitchen all reside on the main level. The granite countertops throughout add a timeless, upgraded touch to the home. Enjoy the privacy of the enclosed patio and the convenience of the two car garage with its valuable storage. Three Fountains community offers fantastic amenities including a multi-use sports court, playground, and pool. The HOA dues cover water, sewer, & exterior maintenance creating a low-maintenance living experience. With two generous living spaces, versatile rooms, & desirable community amenities, this home offers an exceptional combination of ample sq/ft, functionality, and convenience.

1550 N Stapley Drive Unit 125, Mesa
$289,900
2 Beds ⋅ 2 Baths ⋅ 7069516 MLS ⋅ 1,104 SqFt.
Charming two-story, 2-bedroom home in a fantastic North Tempe location! Enjoy easy access to ASU, Tempe Town Lake, Papago Park, Phoenix Zoo, Desert Botanical Garden, Mill Avenue, shopping, dining and nightlife. Convenient access to Loop 202 makes Downtown Phoenix, Sky Harbor Airport, Chase Field and PHX Arena just minutes away. Inside, enjoy granite countertops, tile flooring on the main level and wood-look laminate flooring upstairs. The two-story layout provides nice separation between living and bedroom spaces. A wonderful opportunity for low-maintenance living near some of Tempe and Phoenix's best recreation, entertainment and attractions. Contact to make appointment to tour property.

604 E Weber Drive Unit 16, Tempe
$465,000
3 Beds ⋅ 3 Baths ⋅ 7069430 MLS ⋅ 1,735 SqFt.
Welcome to this immaculate, updated beautiful home in Gilbert's highly sought-after Spectrum subdivision! From the moment you step inside, you will notice the tasteful, neutral design and beautiful tile flooring that flows seamlessly throughout the entire home.The heart of the home features a spectacular open floorplan where a light and bright kitchen opens directly into the spacious gathering area. Culinary enthusiasts will love the gorgeous quartz countertops, stainless steel appliances, and a massive walk-in pantry with abundant storage. Upstairs is an open loft for office or sitting area! Both the kitchen and bathrooms have been completely refreshed with modern, premium finishes.This property offers true peace of mind with quality post-tension construction, roof replaced in 2025, a 2019 HVAC system, a newer gas water heater, a soft water system, and a few new windows installed a few years ago. Outside, enjoy an ultra-low-maintenance backyard featuring new artificial turf. Because the HOA completely maintains the front yard, you will have plenty of free time to relax and take advantage of everything this vibrant community has to offer. The neighborhood features a sparkling community pool, tennis courts, multiple parks, open green spaces, and community ramadas.Perfectly situated near the absolute best of Gilbert, you are just minutes away from premier shopping, excellent dining, and convenient freeway access. Move-in ready and beautifully maintained, this exceptional home is just waiting for its lucky new buyer!

1393 E Joseph Way, Gilbert
$225,000
2 Beds ⋅ 1 Baths ⋅ 7069402 MLS ⋅ 918 SqFt.
Welcome to this clean and inviting 2-bedroom, 1-bath townhome tucked away toward the quiet rear of the community, just steps from convenient parking and the sparkling community pool. The home features fresh interior paint, new carpet, vinyl flooring, and modern finishes throughout. The kitchen is equipped with stainless steel appliances and opens to a spacious dining and family room, creating a comfortable layout for everyday living and entertaining. Upstairs, you'll find two well-sized bedrooms and a full bathroom with a tub/shower combination. The private patio offers plenty of space to relax and enjoy Arizona's beautiful weather and features low-maintenance artificial turf. The enclosed laundry and utility room is conveniently located off the patio. Ideally situated near major freeways, shopping, dining, Mesa Community College, Banner Desert Medical Center, and more, this townhome offers a great combination of comfort, convenience, and low-maintenance living.

948 S Alma School Road Unit 154, Mesa
$247,000
2 Beds ⋅ 2 Baths ⋅ 7069400 MLS ⋅ 900 SqFt.
Pride of ownership shines in this turn-key, single-story townhome! Move-in ready with new cabinetry, countertops, and appliances, paint throughout plus new flooring and fresh baseboards throughout. This 2-bed, 2-bath end unit offers inside laundry, private storage, and 2 assigned parking spaces. Minutes to Downtown Mesa, ASU, dining, light rail, and easy highway access!

141 N Date Street Unit 20, Mesa
$280,000
2 Beds ⋅ 2 Baths ⋅ 7069391 MLS ⋅ 831 SqFt.
Ready to love where you live? This move-in-ready dual-suite condo checks all the boxes! Enjoy wood-look tile, plush carpet, neutral paint & modern fixtures throughout. The refreshed kitchen shines with new white shaker cabinetry, quartz counters & stainless-steel appliances. Both bathrooms feature new vanities & toilets for a fresh, modern feel. Relax poolside or unwind in the community spa, with water, sewer, trash & exterior maintenance covered by the HOA. Plus, a 1-car carport and a prime location just minutes from Downtown Chandler make this one a must-see!

25 N Cottonwood Street Unit 63, Chandler
$420,000
2 Beds ⋅ 3 Baths ⋅ 7069302 MLS ⋅ 1,476 SqFt.
Welcome to The Lakes at Annecy, a gated lake community offering resort-style living just minutes from every day conveniences. Built in 2021 and beautifully maintained over the years, this 2-bedroom, 2.5 bathroom townhouse blends modern design with easy, everyday comfort across three thoughtfully laid-out levels. Recent updates, including a water softener (2023), add to the ease of everyday living. The first level welcomes you home with a private front patio and access to the 2-car tandem garage, complete with epoxy flooring. Upstairs on the second level, an open living space is anchored by a modern kitchen featuring white shaker cabinetry, stainless steel appliances, a breakfast bar, a spacious island, and a gorgeous tile backsplash, plus a balcony for a breath of fresh air. The third level is home to the primary bedroom and guest suite/home office, each offering their own private retreat. The primary suite features an en-suite bathroom with dual vanities, a newly updated tile shower (January 2026), and a spacious closet, while the guest suite, complete with its own en-suite bathroom, flexes beautifully as a home office, guest quarters, or bonus space. Third-level laundry adds everyday convenience. Beyond your home, this gated community offers a sparkling pool and spa, biking and walking paths, and a children's playground, all set within a picturesque lake community. Conveniently located near shopping, dining, and medical offices, with quick access to Loop 202 south for an easy commute to the rest of the Valley!

1676 E Hampton Lane, Gilbert
$490,000
3 Beds ⋅ 2 Baths ⋅ 7069295 MLS ⋅ 1,611 SqFt.
Step into easy, elevated living at Mosaic at Layton Lakes. This GATED 3-bedroom, 2-bath residence offers a 2-car garage, a beautifully finished interior, and an ideal Gilbert location. The two-story layout is designed with both comfort and entertaining in mind, featuring an open main living area, stylish finishes, and abundant natural flow throughout. At the heart of the home, the kitchen combines function and style with quartz countertops, 42-inch cabinetry, stainless steel appliances, a large center island, and plenty of storage. The luxury vinyl plank flooring gives the home a fresh, modern feel. Upstairs, the spacious primary retreat includes a walk-in closet, dual vanities, and a walk-in shower. Life here is designed to be convenient. The HOA includes water, gas, and trash, while the community offers an impressive lineup of amenities including a resort-style pool and spa, splash pads, playgrounds, tennis courts, and miles of walking and biking paths. Layton Lakes also provides an abundance of green space, neighborhood parks, lakes, trails, basketball court, sand volleyball, baseball field, and other recreational areas to enjoy. With shopping, restaurants, entertainment, and top-rated schools close by, the location is hard to beat. Carefully maintained and truly move-in ready, this home offers a low-maintenance lifestyle with the polished look of a newer property. Whether you're looking for your first home, a lock-and-leave property, or a smart investment, this one deserves a closer look.

733 E Lark Street Unit 202, Gilbert
$429,500
2 Beds ⋅ 3 Baths ⋅ 7069256 MLS ⋅ 1,297 SqFt.
Don't miss this beautifully updated, move-in-ready home in a DESIRABLE gated Chandler community! Step inside to a bright, OPEN floorplan filled w/ natural light. NEW custom shutters offer style & flexibility, allowing the upper third to remain open for light while the lower portion stays closed for privacy. The kitchen offers PLENTY of storage, SS appliances, soft water system & walk-in pantry. Upstairs, a VERSATILE loft is perfect for a home office or lounge, along w/ two SPACIOUS bedrooms. The primary suite features a BEAUTIFULLY updated bath & walk-in closet. Outside, enjoy a LARGE patio overlooking a greenbelt, recently re-packed & coated for a refreshed finish & shaded much of the afternoon. The 2-CAR GARAGE features NEW epoxy flooring & AMPLE overhead storage. HVAC installed 2022 & the roof is maintained by the HOA. For the ultimate move-in-ready experience, this home offers the rare opportunity to be purchased FULLY FURNISHED! Beautifully maintained, thoughtfully updated, and ready to enjoy from day one - this Chandler home is ready to welcome its next owner.

4100 S Pinelake Way Unit 104, Chandler
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