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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!

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FHA Mortgage Arizona

FHA Mortgage Arizona loans are often used with down payment assistance and first time home buyer programs because they have flexible qualifying criteria and great interest rates. FHA loans are intended to help people overcome the barriers to home ownership and finance their first home. As such, they are popular with recent college graduates, newly formed households, low-to-moderate income earners, first time home buyers and those who have had past credit challenges.

These barriers include:

  • saving for a down payment,
  • new job or career
  • or past credit problems.

Perhaps you have been through a financial crisis in the past such as a bankruptcy, foreclosure or short sale. FHA mortgages can still be an option for you. As a reminder, you don’t have to be a first time home buyer to qualify for a FHA loan with down payment assistance in Arizona. Depending on your personal situation (foreclosure, short sale, etc.), the waiting period will be different. However, FHA loans are known for typically offering shorter waiting periods than traditional conventional loans.

FHA loans are advantageous for the following reasons:

  • great interest rates,
  • no income limits,
  • flexible qualifying guidelines
  • seller can pay closing costs (up to 6% of sales price)
  • gifts are allowed
  • no prepayment penalties

FHA Home Plus Program

The FHA Home Plus program is offered anywhere in Arizona other than Maricopa and Pima Counties. Many Arizona home buyers choose the FHA Home Plus Program with down payment assistance because they are typically easier to qualify for than conventional mortgages. They have many advantages that make them attractive to Arizona first time homebuyers.

Program Highlights:

  • Down payment assistance options of 3%, 4% and 5%. You can choose what is best for you based on your loan scenario.
  • Minimum FICO score is 640.
  • If using an FHA loan with Home Plus, the maximum loan amount depends on the FHA loan limits in your county.
  • Maximum income of $105,291
  • Maximum debt-to-income of 50%

FHA Home In 5 Program

You should consider the FHA Home In 5 program if you are buying a house in Maricopa County and you need help with your down payment and closing costs. This program has been very popular for the past few years because it is a great down payment assistance program.

Program Highlights:

  • Assistance for down payment and/or closing costs up to 5% of the mortgage balance. 6% for qualified Veterans, active duty Military, active Reservists and active National Guard.
  • The assistance money is actually available. Many down payment assistance programs run out of funds within a short period of time.
  • True down payment assistance money… no strings attached. Many down payment programs come in the form of a 2nd mortgage that is paid back over time or when you sell your home. Many prevent you from refinancing.
  • You do not have to be a first time home buyer.

How to Qualify:

  • Buy a house anywhere in Maricopa County, including in the City of Phoenix.
  • New or existing single family homes, 2 to 4 unit homes, condos, town homes, and manufactured homes.
  • Minimum FICO score is 640.
  • Income from all borrowers may not exceed $105,000.
  • Qualify for an Arizona FHA loan with a maximum debt-to-income ratio of 50%.
  • Take an easy online homebuyer education course.

FHA Mortgage Pima Tucson Homebuyer’s Solution

The Pima Tucson Homebuyer’s Solution can be used with a Arizona FHA mortgage and has benefits are similar to those offered by the programs listed above and are offered in all of Pima County including the City of Tucson.

Program Highlights:

  • Down payment assistance options available at 3%, 4% and 5%. You can choose what is best for you based on your loan scenario.
  • There is no first-time homebuyer requirement.
  • The money is available and has continuous funding.

How to Qualify:

  • Buy a house anywhere in Pima County, including in the City of Tucson up to $331,760 which is the current FHA loan limit in Pima County for a single family home.
  • Minimum FICO score is 640. Different loan and dpa amount scenarios may require a higher score.
  • Income from all borrowers may not exceed $105,291.
  • Qualify for an Arizona FHA loan with a maximum debt-to-income ratio of 50%.
  • Take an easy online homebuyer education course.

FHA Loan Limits Arizona

It is important to know the Arizona FHA loan limits because they impact a variety of down payment assistance programs offered in Arizona.

You can view the FHA limits in Arizona here.

Waiting Periods – Arizona FHA Home Loans

The following are the standard FHA waiting periods for the major derogatory credit events. Many home buyers seeking to obtain a FHA mortgage in Arizona may see or hear that there are shorter waiting periods due to the FHA Back to Work program. However, because of the restrictive circumstances needed, it is best to know the typical FHA waiting periods.

  • Arizona FHA home loan after bankruptcy: The waiting period for getting an FHA loan after a chapter 7 bankruptcy is 2 years. The waiting period for getting an FHA loan after a chapter 13 bankruptcy is 1 year.
  • Arizona FHA home loan after foreclosure: The waiting period for getting an FHA loan after a foreclosure is 3 years after the foreclosure.
  • Arizona FHA home loan after short sale: The waiting period for getting an FHA loan after a short sale is 3 years.

Do you still want to know more about FHA loans?  Find out everything you need to know about FHA loans in Arizona here.

The lenders that are authorized to offer FHA loans that accept down payment assistance in Arizona are FHA-approved lending institutions and are not acting on behalf of or at the direction of HUD/FHA or the Federal government.

 

 VA | USDA | CONVENTIONAL

HOMES WE CAN HELP YOU FINANCE

$400,000
2 Beds ⋅ 2 Baths ⋅ 7049469 MLS ⋅ 1,623 SqFt.
Rare available end unit ideally situated just a short walk from the community center where you'll enjoy easy access to an array of amenities and social activities right outside your door. This inviting home features a desirable split floor plan, offering added privacy and comfortable living spaces. Pride of ownership is evident throughout, with meticulous care and thoughtful updates that make this home truly move-in ready. Enjoy peace of mind knowing all the major systems have been recently updated, including the roof, air conditioning system, electrical panel, water heater, and professionally cleaned ductwork. These significant improvements provide lasting value and reduce future maintenance concerns. Whether you're relaxing at home, entertaining guests, or taking advantage of the vibrant community lifestyle, this townhome offers the perfect combination of comfort, convenience, and low-maintenance living. Don't miss your opportunity to own a beautifully updated home in one of Mesa's most sought-after active adult communities!

4202 E Broadway Road Unit 16, Mesa
$336,000
3 Beds ⋅ 2 Baths ⋅ 7049376 MLS ⋅ 1,118 SqFt.
NO HOA on a large corner lot in a prime Mesa location. Just minutes from US-60, close to the East Valley's best shopping and dining! This 3-bedroom, 2-bath twin home offers the perfect blend of comfort, functionality, and low-maintenance living. Features include a 1-car garage, secure 1-car carport, private gated front courtyard, and easy-care backyard. Inside, you'll find a functional split floor plan with beautiful tile flooring throughout, neutral paint, and ceiling fans in all the right places. The inviting living area flows into the spacious eat-in kitchen, creating a comfortable space for everyday living and entertaining. The private primary suite is separated from the secondary bedrooms for added privacy. Move-in ready and perfect for first-time buyers!

1261 E Harmony Circle, Mesa
$385,000
2 Beds ⋅ 3 Baths ⋅ 7049338 MLS ⋅ 1,242 SqFt.
Life feels a little different at The Lakes. Imagine morning walks around the water, afternoons by the Olympic-size pool, pickleball with friends, neighborhood events, and evenings spent enjoying one of Tempe's most beloved lake communities. With scenic lakes, mature trees, lush greenbelts, walking paths, a private Beach & Tennis Club, fitness center, boating, fishing, tennis, pickleball, basketball, racquetball, an active swim team, and a full calendar of clubs and activities, it's easy to see why so many people love calling The Lakes home. Tucked near the back of the community, this move-in ready two-story townhome offers the perfect blend of comfort, privacy, and low-maintenance living. Step inside to a welcoming living room featuring fresh interior paint throughout, brand-new carpet, updated laminate flooring in the living area, and a convenient main-floor powder room. The kitchen blends timeless style and everyday function with white cabinetry, granite countertops, stainless steel appliances, and an adjoining dining area that opens to a spacious, fully enclosed private patio--perfect for entertaining, relaxing, or enjoying Arizona's beautiful weather year-round. Upstairs, you'll find two true primary suites, each with its own private bathroom, walk-in closet, ceiling fan, and laminate flooring, creating a flexible layout that's ideal for guests, roommates, working from home, or simply enjoying the comfort and privacy of two spacious bedroom suites. Just minutes from ASU, Tempe Marketplace, Downtown Tempe, shopping, dining, entertainment, and convenient access to US-60, Loop 101, and I-10, this home offers more than just a place to live--it offers a lifestyle.

5619 S Admiralty Court Unit C, Tempe
$250,000
2 Beds ⋅ 2 Baths ⋅ 7049321 MLS ⋅ 813 SqFt.
Welcome to this charming single level home in the heart of Gilbert, just blocks away from downtown and the vibrant Heritage District with its popular restaurants, shopping, entertainment, and local favorites. This recently updated 2 bedroom, 2 bathroom home offers a smart, comfortable layout with no interior steps, vaulted ceilings, and an inviting main living space that feels open and bright. The kitchen features a functional design with a breakfast bar and great everyday flow. Both bedrooms are nicely situated, with two bathrooms for added convenience. Enjoy Arizona mornings or evenings on the screened in covered patio, plus the ease of assigned covered parking. Located in Meadowbrook Village with nearby parks and easy access to Downtown Gilbert, this home is a great option for low- maintenance living in a highly desirable location. This condo can be sold furnished or unfurnished, offering flexibility for the buyer. Whether you are looking for a great investment, second home, starter home, right size home, or anything in between, this is a MUST SEE.

405 E Cullumber Avenue Unit C, Gilbert
$260,000
2 Beds ⋅ 2 Baths ⋅ 7049302 MLS ⋅ 1,285 SqFt.
Welcome home to this charming expanded patio home tucked away on a quiet cul-de-sac in the heart of Leisure World! This desirable split 2-bedroom floor plan sits on an oversized lot with attractive, low-maintenance landscaping and two south-facing patios perfect for enjoying Arizona's beautiful winter weather. The open kitchen flows seamlessly into the living area, creating an ideal space for entertaining family and friends. Enjoy one of the community's lower HOA fees while experiencing the award-winning lifestyle Leisure World is known for, featuring 36 holes of private golf, 3 pools, pickleball, tennis, a fitness center, library, arts & crafts, billiards, countless clubs, and 24-hour guarded security.

1612 Leisure World --, Mesa
$309,000
3 Beds ⋅ 2 Baths ⋅ 7049250 MLS ⋅ 936 SqFt.
Beautifully Remodeled Single-Level Townhome in an Unbeatable Tempe Location! Move right into this stunning 3-bedroom, single-level townhome featuring a private, fenced courtyard-perfect for relaxing, entertaining, or enjoying Arizona's beautiful weather. Every detail has been thoughtfully updated, including brand-new appliances, custom cabinetry, quartz countertops, designer-tiled showers, new flooring, and modern electric zebra blinds throughout. Ideally located just minutes from Arizona State University, Mesa Riverview, Sloan Park (Chicago Cubs Spring Training), shopping, dining, Valley Metro Light Rail, and the Loop 101 and 202 freeways, this home offers exceptional convenience for work, school, and recreation. Located within the highly regarded Tempe School District, this move-in-ready home combines modern style with low-maintenance living in a vibrant community. Whether you're looking for your primary residence, a second home, or an investment opportunity, this beautifully updated property is one you won't want to miss. Owner/Broker.

525 N May Street Unit 9, Mesa
$410,000
2 Beds ⋅ 2 Baths ⋅ 7049235 MLS ⋅ 1,587 SqFt.
Welcome to Tuscany Villas at Painted Mountain Golf Course, an exclusive gated community in NE Mesa that offers resort-style living. The property is conveniently located near the 202 Red Mountain Freeway, shopping venues, dining spots, and is only a short drive--under 30 minutes--to Sky Harbor Airport. Termite Inspection has already been completed along with updated home maintenance. This meticulously maintained two-bedroom townhome boasts a bright, open-concept design with spacious kitchen, living and dining areas, plenty of natural light, and neutral tile flooring throughout, with carpeted bedrooms. The upgraded kitchen is spacious featuring granite countertops, stainless steel app R/O system. All furniture and art work conveys. The flexible floor plan accommodates multiple bedroom options, features like tailor-made closet systems, a Murphy bed in the guest bedroom that allows for office flexibility. Private outdoor spaces include premium sized lot, courtyard and covered patio. A extended two car garage and easy-care landscaping all add to the home's attractiveness and function. Major systems have been updated: HVAC (2023), hot water heater (2025), soft water system (2025), and garbage disposal (2026). Quick close available. Residents enjoy amenities like a clubhouse, pool, spa, pickle ball court, fitness facility, media/game rooms and picturesque golf course views, perfect for either full-time living or a seasonal getaway. There are many social events and regular activities planned for the homeowners. No age restriction. Pet friendly with 2 pet limit.

6202 E Mckellips Road Unit Unit 3, Mesa
$370,000
3 Beds ⋅ 3 Baths ⋅ 7049207 MLS ⋅ 1,379 SqFt.
This rare townhome, with attached 2 car garage and in a gated community, is available to be your new home! A great room floorplan, this unit is light and bright! Wood like floors are throughout the first level. The kitchen, with stainless appliances, opens to the great room & dining area. The downstairs also has an office or den that can be used for whatever you need the space to be. A powder room is also located on the main level. Upstairs you will find the master bedroom suite, two secondary bedrooms with a hall bath & a laundry closet that includes a full size washer & dryer. An attached double garage will make you think this is a single family home! Just out the door & across the street is the community pool and the Augusta Ranch Golf Club is in walking distance down Baldwin.

2024 S Baldwin -- 79 -- Unit 79, Mesa
$325,000
2 Beds ⋅ 3 Baths ⋅ 7049179 MLS ⋅ 1,456 SqFt.
Beautifully maintained townhome located in a desirable gated community! This thoughtfully designed floor plan features 2 oversized primary suites, each complete with its own private bathroom, making it ideal for guests, multi-generational living, roommates, or a private home office. Offering 1,456 sq ft of living space, this home features beautiful wood-look tile flooring, an open-concept kitchen overlooking the family room, and an attached 2-car garage with plenty of storage. Both primary suite bathrooms feature double sinks. One suite offers a walk-in shower, while the other includes a tub/shower combination. Each oversized bedroom features a walk-in closet and its own private balcony. Upstairs you'll also find a convenient laundry room w/ storage cabinets, a built-in desk niche in the hallway that's perfect for working from home or homework, newer carpet, and an abundance of storage throughout. Enjoy the security and convenience of gated community living while being just minutes from shopping, dining, golf, and freeway access. This move-in ready home offers a rare floor plan in a fantastic Mesa location!

6710 E University Drive Unit 156, Mesa
$287,000
2 Beds ⋅ 2 Baths ⋅ 7049175 MLS ⋅ 1,046 SqFt.
Welcome home to this refreshed 2-bedroom, 2-bath residence in a desirable West Mesa location. Perfectly positioned near Arizona State University, vibrant Downtown Mesa, and the Oakland Athletics Spring Training facility at Hohokam Stadium, this home offers an unbeatable combination of convenience and lifestyle. Spend your weekends exploring local favorites like Goat and Ram, Tacos Chiwas, and Republica Empanada, catch a performance at the Mesa Arts Center, or discover Arizona's rich history at the Arizona Museum of Natural History. With shopping, dining, entertainment, light rail access, and major freeways all nearby, this is an ideal opportunity to enjoy everything the East Valley has to offer. Soaring vaulted ceilings and fresh interior paint create a bright, open feel throughout the main living space. The kitchen features generous counter space and ample cabinetry, making meal preparation and daily living both functional and efficient. Both bathrooms have been tastefully remodeled with modern finishes, and a brand new washer adds everyday convenience, making this home truly move-in ready. Enjoy a private covered back patio for relaxing or entertaining, along with a covered carport for added convenience. The community pool provides a refreshing retreat during the warmer months. Major 2025 updates include a new roof, full PEX repipe, plumbing upgrades with new shut-off valves, and new front gutters, offering peace of mind for years to come. Whether you're a first-time homebuyer, ASU student or faculty member, investor, or simply looking for a low-maintenance home in a prime location, this thoughtfully updated residence offers exceptional value, modern upgrades, and the best of Mesa living--all ready for you to call home.

910 N Center Street Unit 16, Mesa
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