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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!

Also get access to our Realtor MLS UPDATED EVERY 5 Minutes!  That means EVERY home from EVERY Real Estate Company that is currently for Sale and FASTER THAN ZILLOW!

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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

$265,000
2 Beds ⋅ 2 Baths ⋅ 7046953 MLS ⋅ 1,006 SqFt.
Discover the perfect blend of comfort, convenience, and location! This beautifully renovated 2-bedroom, 2-bath ground-level townhome offers the privacy of no neighbors above and easy single-level living. open floor plan., spacious bedrooms, Back lit Mirrors in Bathrooms and move-in-ready finishes throughout. Step outside and you're just moments from the community pool, Arizona State University, Mill Avenue, Tempe Marketplace, shopping, dining, entertainment, Sky Harbor Airport, and quick access to Loop 101 and US-60. Whether you're searching for your primary home, a winter retreat, or an investment opportunity, this Tempe gem puts you in the heart of everything. Don't miss your chance to own affordable living in one of the Valley's most desirable locations!

916 S Hacienda Drive Unit A, Tempe
$335,000
2 Beds ⋅ 2 Baths ⋅ 7046945 MLS ⋅ 975 SqFt.
Welcome to Beach Club Village at Val Vista Lakes, one of Gilbert's most sought-after communities and the address that actually delivers on the resort lifestyle promise. This is one of the larger units in the community, giving you the space to spread out without sacrificing the low-maintenance living you came here for. Your HOA covers water, sewer and trash, providing significant monthly savings compared to many standard Gilbert homes. It also includes roof maintenance, exterior maintenance, pest control and landscaping, making for easy, low-maintenance living. Step outside to a white-sand lagoon beach, Jr. Olympic pool, heated spa with waterfalls, six pickleball courts, tennis, racquetball and a full fitness center. Quick access to US-60 and Loop 202 puts SanTan Village, Dana Park Village Square and Downtown Gilbert's award-winning restaurant row minutes from your door. This is the unit in this community that gives you more room, more savings and more of the life you actually want.

1633 E Lakeside Drive Unit 165, Gilbert
$266,000
3 Beds ⋅ 2 Baths ⋅ 7046843 MLS ⋅ 1,343 SqFt.
The property is being sold as a professionally negotiated short sale. Please look under the document tab for a short sale explanation and status. This cozy 3-bedroom, 2-bathroom townhome offers 1,343 square feet of comfortable living in the heart of Mesa, Arizona. Centrally located just off the Loop 202, the home provides quick and convenient access to shopping, dining, entertainment, and major employment corridors. Inside, the well-designed floor plan features inviting living spaces filled with natural light, creating a warm and welcoming atmosphere.

222 W Brown Road Unit 57, Mesa
$425,000
2 Beds ⋅ 2 Baths ⋅ 7046730 MLS ⋅ 1,100 SqFt.
Golf course views, an extensive list of upgrades, and one of Mesa's most desirable communities... welcome to Mission Square at Alta Mesa. Perfectly positioned on the 9th fairway of the private Alta Mesa Golf Club, this beautifully updated home offers the ideal blend of comfort, style, and low-maintenance living. Enjoy your morning coffee or unwind in the evening from the oversized screened-in patio while taking in sweeping golf course views and Arizona sunsets. Inside, you'll find a home that's been thoughtfully updated from top to bottom. The remodeled kitchen features modern finishes and was completed in 2023, complemented by porcelain wood-look flooring, updated bathrooms, newer carpet in the bedrooms, and newer windows that fill the home with natural light. Major system updates provide peace of mind, including a new 3-ton HVAC system (2025), hot water heater (2025), roof coating (2026), new skylights (2026), and a recently completed screened-in patio (2026). Additional improvements include: " Full kitchen remodel (2023) " Porcelain wood-look flooring (2022) " Bedroom carpet (2024) " Updated bathrooms (2021) " New windows and stucco pass-through arch (2021) Located in the sought-after Mission Square at Alta Mesa, residents enjoy a heated saltwater pool and spa, beautifully maintained grounds, and a low-maintenance lifestyle, all just minutes from shopping, dining, golf, parks, and convenient freeway access. Move-in ready with the updates already done, all that's left is to enjoy the view.

1235 N Sunnyvale -- Unit 71, Mesa
$314,000
2 Beds ⋅ 2 Baths ⋅ 7046706 MLS ⋅ 1,133 SqFt.
1111 W Summit Pl is a residential home with practical interior spaces and outdoor living potential. The living area centers around a fireplace that adds warmth and ambiance, while the primary bedroom includes a walk-in closet for convenient storage and organization. A spacious patio extends the living area outdoors, creating room for dining, seating, or container gardening. Clean interior finishes support a polished, move-in-ready feel without distracting from the home's functional layout. This residence brings together everyday comfort, useful storage, and outdoor space in a well-presented setting.. Included 100-Day Home Warranty with buyer activation

1111 W Summit Place Unit 28, Chandler
$285,000
3 Beds ⋅ 2 Baths ⋅ 7046558 MLS ⋅ 1,186 SqFt.
Spectacular single level townhome with a great Mesa location. This recently updated townhome is an end unit and features three bedrooms and two bathrooms. Newer cabinets, appliances, flooring, baseboards, HVAC and water heater highlight the updates you find here.

225 N Standage -- Unit 136, Mesa
$285,000
2 Beds ⋅ 3 Baths ⋅ 7046428 MLS ⋅ 1,771 SqFt.
What if your next home felt like a vacation--every single day? Tucked inside the highly sought-after, guard-gated 55+ community of Province, this beautifully maintained Valencia model may be one of those homes you'll know is special the moment you walk through the front door. Built in 2016, this large residence offers split floorplan with 2 spacious bedrooms and a private office, Designed for effortless living, this energy-efficient home is in true move-in-ready condition--not a project, not a fixer...just unpack and start enjoying life. But here's what photos can't capture... It's the peaceful feeling of waking up each morning in one of Arizona's premier active adult communities. See More. The evening strolls around sparkling lakes. Friendly pickleball matches. Relaxing afternoons by the resort-style pools. Dinner with friends just minutes from your front door. The lifestyle here is every bit as impressive as the home itself. Beyond the gates, you'll discover an incredible collection of amenities, including: Resort-style pools and spa Scenic lakes and walking trails Pickleball and tennis courts State-of-the-art fitness center Beautiful parks and gathering spaces On-site dining and social activities A vibrant calendar of clubs, events, and entertainment And perhaps the biggest surprise? This exceptional lifestyle comes at an incredibly affordable cost. Homes in this condition--and in a community this desirable--don't come along often. If you've been waiting for a home that offers peace of mind, low-maintenance living, and a resort lifestyle every day of the year, this is one you'll want to experience in person. Come see what everyone is talking about...because once you do, you may never want to leave.

41629 W Caliente Drive, Maricopa
$379,000
3 Beds ⋅ 3 Baths ⋅ 7046400 MLS ⋅ 1,726 SqFt.
Beautiful townhome located in the highly desirable gated community of The Palms at Mesa! This spacious, open-concept floor plan features a warm, inviting color palette, decorative art niches, upgraded lighting, and neutral tile flooring throughout the main living areas. The gourmet kitchen offers granite countertops, a large center island with breakfast bar, stainless steel appliances, a pantry, and rich wood cabinetry--perfect for entertaining family and friends. Upstairs, the expansive primary suite provides a private retreat complete with its own balcony and a separate office/sitting area, ideal for working from home or relaxing. Additional highlights include plush carpet in all the right places, upgraded ceiling fans, window blinds, 2.5 beautifully maintained bathrooms, generous closet space, and an attached 2-car garage. Conveniently located near the US-60 and Loop 101, this resort-style community offers outstanding amenities, including two sparkling pools, spas, a clubhouse, fitness center, and private theater. This exceptional home truly has it all and is sure to impress!

1367 S Country Club Drive Unit 1328, Mesa
$369,900
3 Beds ⋅ 3 Baths ⋅ 7046343 MLS ⋅ 1,379 SqFt.
Welcome home to this beautifully, move in ready townhouse in the highly sought after Augusta Ranch Golf Community! From the moment you step inside, you'll appreciate the warm, inviting atmosphere, stylish finishes, and open, functional floor plan. Featuring 3 spacious bedrooms plus a versatile office that can easily be converted into a 4th bedroom, along with 2.5 bathrooms and tasteful upgrades throughout, this home offers the flexibility and comfort today's buyers are looking for. Nestled within the resort-style Augusta Ranch community, residents enjoy a sparkling community pool, beautifully landscaped common areas, and an exceptional golf course just moments away. Don't miss this incredible opportunity to own a beautiful home in one of Mesa's most desirable golf communities.

2024 S Baldwin -- Unit 85, Mesa
$329,900
3 Beds ⋅ 2 Baths ⋅ 7046142 MLS ⋅ 1,200 SqFt.
Adorable Chandler townhouse!! 3 bedrooms, 1.5 bath, w/ 1200 sq ft of living space. Newer carpet (2024). Beautifully updated kitchen w/ granite counter tops, etched glass cabinets, Stainless Steel appliances (Range, Dishwasher, Microwave & Refrigerator). Updated bathrooms w/ tile, new tub and tile surround in Primary bathroom, and espresso painted cabinets. Paint and flooring were updated (2021). Primary bedroom has 2 closets, one of them being a walk in. Plenty of built-ins in all closets. Laundry is upstairs for your convenience. Washer/dryer included. Newer HVAC system (2023)! Outside storage room off patio. Cool off this summer...this unit is directly across from the pool. Conveniently located in Chandler, close to shopping, restaurants & freeways!

1600 N Saba Street Unit 146, Chandler
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