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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

$379,999
3 Beds ⋅ 3 Baths ⋅ 7044379 MLS ⋅ 1,397 SqFt.
This adorable two-story stand alone home, in Seawynds at the Islands is the one for you! Light &. Bright,Freshly painted & all new flooring/LVP/Carpet throughout.Conveniently close to restaurants, shopping & golfing! Spacious living area showcasing soaring ceilings to enhance the space. Spotless kitchen complete with lots of storage. a peninsula with a breakfast bar & sleek stainless steel appliances for a seamless cooking experience. The serene primary bedroom promises a good night's sleep, including a full bathroom with dual sinks The low maintenance backyard is the perfect size to enjoy weekend grilling and relaxing evenings. Multiple Community Pools & Green Belt/Parks, Walking Paths, Community Ctr. Plus lake rights.You can launch a no motor boat on the lake a putt around the Islands

1071 W Sandy Banks Drive, Gilbert
$447,500
3 Beds ⋅ 2 Baths ⋅ 7044337 MLS ⋅ 1,539 SqFt.
Beautifully updated home in a desirable Tempe location, offering a blend of modern updates, flexible living areas, and low-maintenance outdoor living. Fresh neutral finishes, wood-look tile flooring t/out, updated lighting, and abundant natural light create a clean, move-in-ready feel from the moment you enter. The spacious floor plan features an oversized dining room with custom built-in cabinetry and shelving, providing storage and entertaining space. Multiple living areas offer flexibility for working from home, hobbies, or creating the perfect media room. The kitchen features ample cabinetry, granite counters, and stainless-steel appliances. Private backyard designed for easy maintenance and year-round enjoyment with newly installed Gazebo. Over $75k in improvements - see supplement HOME IMPROVEMENTS since purchase: Fresh interior paint throughout in 2022 Shiplap to one bedroom wall in 2024 Window blinds to all rooms in 2022 Kitchen and laundry rooms have window blinds within the doors (built in) All windows replaced by previous owner. New GE stainless steel refrigerator in 2023 11/2025 - 12'x16' aluminum gazebo for backyard 3/2025 - installed/wired 3 ceiling fans w/ light kits in all bedrooms and family room 11/2024 - replaced all cast iron sewer ($21k) 5/2023 - new HVAC 2023 - refinished tub and shower 2022 & 2023 - 2 new bathroom vanities and installation and new toilets 10/2022 - ceramic tile plank flooring throughout 10/2022 - Backyard landscape (turf, fruit trees, pavers, pots) and front yard update (pavers, add rock)

1988 E Oxford Drive, Tempe
$400,000
2 Beds ⋅ 2 Baths ⋅ 7044231 MLS ⋅ 1,401 SqFt.
Beautifully maintained 2-bedroom plus den home in the desirable Alta Mesa golf community! This move-in ready property features an updated interior with upgraded custom kitchen cabinetry, Corian countertops, stainless steel appliances, decorative stove hood, and abundant storage. Refrigerator, washer, and dryer are all included. The spacious great room showcases a cozy fireplace, while tile flooring extends throughout the main living areas with carpet in the bedrooms for added comfort. The den offers flexibility for a home office, hobby room, or guest space. Enjoy outdoor living in the private gated courtyard or relax under the covered patio. Additional highlights include extra storage cabinets in the garage and access to the heated community pool. Conveniently located near golf, shopping, dining, and freeway access, this well-cared-for home offers comfort, style, and low-maintenance living in the heart of Mesa's sought-after Alta Mesa area.

1235 N Sunnyvale Street Unit 94, Mesa
$330,000
3 Beds ⋅ 2 Baths ⋅ 7044097 MLS ⋅ 1,269 SqFt.
Beautiful turnkey home that was recently updated from top to bottom with brand new flooring, carpets, designer chef's kitchen complete with granite countertops, and stainless-steel appliances, new water heater, brand new windows throughout the home, new sky dome with blackout curtain, brand new A/C plus a brand new mini split a/c in the nursery/office. It has an excellent Security/Alarm System that can be control and view from your phone. Save on your electric bill with a roof Solar System that is installed and will be paid off by SELLER upon sale of the home. Enjoy your private backyard with an extra storage unit. Don't miss this opportunity to live in a desirable neighborhood close to several businesses, walking/bike paths, and well-kept community pool and spa.

2455 E Broadway Road E Unit 103, Mesa
$319,000
3 Beds ⋅ 2 Baths ⋅ 7044089 MLS ⋅ 1,189 SqFt.
Located just North of Downtown Gilbert! This home features 2 Bedrooms plus loft that could be used as a third bedroom, den or office. The home is appointed with granite counters and real hardwood flooring. Two-car tandem garage attached. Enjoy community pool and playground. Excellent dining and entertainment just moments away!

163 W Campbell Court, Gilbert
$314,000
3 Beds ⋅ 2 Baths ⋅ 7044025 MLS ⋅ 1,110 SqFt.
Move in ready! Adorable 3 bedroom, 2 bath townhome in Northpointe II. Great community, low maintenance living. Waterproof vinyl flooring throughout. Washer, dryer and refrigerator included! Two parking spots, one is covered. Common area is maintained by HOA. Three large community pools and 2 hot tubs; Playground, picnic and cookout areas and lots of green paths throughout. Conveniently located close to US-60 and 202 Freeways, restaurants, shopping, city parks, Boeing, McDowell Mountain Region Park, Usery Mountain, Tonto National Forest and plenty of athletic facilities nearby.

5136 E Evergreen Street Unit 1084, Mesa
$295,500
2 Beds ⋅ 2 Baths ⋅ 7043885 MLS ⋅ 1,119 SqFt.
What a find! Your Move in Ready home within the Gated subdivision of Tivoli awaits. A wonderful location in the Golf Course Community of Augusta Ranch. This DR Horton Condo is well situated with a shaded terrace over your 1 car garage and just steps away from the Pool. From the moment you walk into this home you will enjoy the abundance of natural light, vaulted ceilings and an open design. The living and dining areas flow together seamlessly. Wait till you see the large walk-in pantry, stainless appliances, and eat in bar within this updated Kitchen. The bedrooms are separated perfectly with the Master having a nice walk-in closet. You will enjoy having the laundry room and a separate storage room as well. Have comfort in a 2024 variable speed Carrier AC System. Don't wait, Hurry Over!

2024 S Baldwin -- Unit 110, Mesa
$369,900
2 Beds ⋅ 3 Baths ⋅ 7043876 MLS ⋅ 1,318 SqFt.
Immaculate townhome in gated community , lovingly maintained and care for. Main level has a nice front door patio area for private outdoor relaxing. Upgraded features: granite countertops; ''smart'' appliances; flooring, doors, fixtures. Upscale kitchen shares huge great room. Upstairs from here to two large master suites, each with own bath. Plus a bonus, landing space- like an additional room. Home is also available for lease.

300 N Gila Springs Boulevard Unit 282, Chandler
$295,000
3 Beds ⋅ 2 Baths ⋅ 7043615 MLS ⋅ 1,170 SqFt.
Completely repainted single Level townhome with an open floorplan, 2 car carport and private backyard. HVAC replaced 2023! Kitchen has granite countertops and stainless steel appliances. Modern barn door encloses kitchen pantry. Vaulted ceilings and a corner fireplace complete the great room A laundry area with a full size washer and dryer is in the hallway. The primary bedroom has updated dual sink vanity, and a sliding door to the backyard space. Bedrooms 2, and 3 have ceiling fans and share an updated hall bathroom. Bedroom 3 has its own private entrance. The backyard area has a large covered patio. Centrally located with easy access to the US 60, Loop 101/202 and all of the entertainment/dining options in the area.

302 N Sycamore -- Unit 22, Mesa
$369,000
3 Beds ⋅ 3 Baths ⋅ 7043577 MLS ⋅ 1,452 SqFt.
Remodeled in 2022. Located in a lovely, centrally situated neighborhood. Features include dual-pane windows, updated doors, flooring, bathrooms, and a modern kitchen with newer appliances. Enjoy expansive greenbelt areas, community pool, and abundant guest parking nearby. Conveniently located just minutes from the I-10, US-60, and Loop 101, providing easy access to Sky Harbor Airport, shopping, dining, & schools. A few blocks from The Majestic Theatre, The Porch, Doc & Eddy's, Starbucks, Brick Road Coffee, and AMF Bowling. Free orbit bus to ASU, downtown Tempe, the Tempe Library, and more.

1123 E Fremont Drive, Tempe
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