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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!

Questions or need help to get started with the mortgage process?
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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

$300,000
2 Beds ⋅ 2 Baths ⋅ 7078769 MLS ⋅ 967 SqFt.
Are you ready to enjoy the Gilbert lifestyle without the maintenance? Located in The Gardens, this 2-bedroom, 2-bath, detached home offers low-maintenance, lock-and-leave living in a neighborhood with tree-lined streets, green grass and great community amenities. When you want to get out and enjoy some of the best of Gilbert, Agritopia, Epicenter and Cooley Station are all close by, offering some of the most popular dining and retail spots in town. Take in the urban village and farm vibes while you grab coffee, shop local boutiques, meet friends for dinner, or tap into local wellness spots. You''ll have so much to choose from! And when you're back home, you'll have fresh paint throughout, updated bathrooms and newer carpet, all giving the interior it's fresh, clean feel. A separate bonus room adds flexibility and is perfect for a home office, hobby area or fitness space. The bathrooms are newly remodeled, including tiled showers, new vanities and new toilets. And for added peace of mind, the roof was recently inspected and given a clean bill of health. The HOA maintains the landscape here, leaving you more time to enjoy the community pool, spa, sports courts, playgrounds and nearby trails. A 2-car garage adds even more functionality (and maybe even some extra storage) to this easy-to-maintain property. Whether you're buying your first home, wanting to simplify, or looking for an investment, this great property is an affordable way to enjoy the Gilbert lifestyle!

4076 E Jasper Drive, Gilbert
$325,000
3 Beds ⋅ 3 Baths ⋅ 7078314 MLS ⋅ 1,437 SqFt.
BRAND-NEW A/C + 10-YEAR WARRANTY! TURNKEY & MOVE-IN READY! Enjoy comfort and peace of mind in this beautifully renovated Mesa townhome. The brand-new A/C system with a 10-year warranty is a standout upgrade, while the refreshed kitchen shines with brand-new cabinetry, ample counter space, and stainless-steel appliances. Fresh interior paint, luxury vinyl plank flooring, upgraded carpet, modern blinds, contemporary lighting, and stylish ceiling fans create a polished, inviting feel. Updated bathrooms feature sleek fixtures and clean finishes. Beautifully upgraded, worry-free, and ready for you--this is Mesa living at its best!

2455 E Broadway Road Unit 130, Mesa
$369,900
2 Beds ⋅ 2 Baths ⋅ 7078298 MLS ⋅ 1,120 SqFt.
Welcome to this stunningly fully updated 2 bed 2 bath home just steps from the community pool located in the desirable Pepperwood Townhomes community. Conveniently located near restaurants, shopping, and more. This thoughtfully renovated DESIGNER GRADE home features a NEW kitchen, NEW flooring, NEW quartz countertops, beautifully tiled showers, and stylish finishes throughout. Completely refreshed and move-in ready. A must see home in an excellent location!

5306 S Farmer Avenue, Tempe
$349,990
3 Beds ⋅ 3 Baths ⋅ 7078229 MLS ⋅ 1,597 SqFt.
Welcome to this beautiful 3-bedroom, 2.5-bathroom townhouse in a desirable gated community which shows pride in ownership . The spacious two-story layout features a welcoming great room and an eat-in kitchen with granite countertops plus a loft , creating a comfortable setting for daily living and entertaining. A convenient 2-car garage and finished backyard add to the home's functionality and appeal. Thoughtfully maintained and move-in ready, this residence offers comfort, convenience , and a secure community setting. Enjoy the community heated pool and Spa and Clubhouse a short distance from your front door!

5415 E Mckellips Road Unit 5, Mesa
$350,000
3 Beds ⋅ 2 Baths ⋅ 7078207 MLS ⋅ 1,368 SqFt.
Awesome townhouse in the heart of South Tempe! Enjoy easy Tempe lifestyle living with a community pool perfect for cooling off during the Arizona summers and a convenient location near Target, shopping, dining and more. Inside, you'll find a desirable split floorplan with 3 bedrooms, 2 full bathrooms and an inviting great room. Newer wood-look flooring adds a fresh, modern feel, while the HVAC installed in 2026 provides added peace of mind. Fresh exterior paint gives the home great curb appeal. Step outside to your cozy, private pavered patio,the perfect spot to relax at the end of the day and take in those beautiful Arizona cotton-candy sunsets. A wonderful opportunity in South Tempe in desirable Tempe school district. Close to freeway access. Welcome home!

5205 S Hazelton Lane, Tempe
$450,000
2 Beds ⋅ 3 Baths ⋅ 7078188 MLS ⋅ 1,549 SqFt.
Beautiful townhome nestled in the heart of the vibrant Gilbert lifestyle. Offering 2 bedrooms, 2.5 bathrooms and an open and spacious floor plan. This home is filled with natural light and is thoughtfully laid out. The kitchen is the showstopper, with ample storage space, dual islands, a RO system and a seamless flow into the main living area. With a freshly painted interior, new flooring and no carpet throughout, it has a clean and new feel. The top floor features both the primary and guest suites. The primary suite includes a large walk-in closet and private en-suite bath with dual sinks. This gated community has fantastic amenities to enjoy- pools, parks, walking paths and lush landscaping. Ideally located minutes from SanTan Village, Costco, Sprouts and an abundance of

1671 E Dogwood Lane, Gilbert
$200,000
2 Beds ⋅ 1 Baths ⋅ 7078121 MLS ⋅ 784 SqFt.
Welcome to this 2-bedroom, 1-bath townhome in the desirable Skyview Mesa community! The bright living room features tile flooring and a large window that fills the space with natural light. The spacious eat in kitchen offers plenty of room to prepare and enjoy meals. Step outside to your large private patio--perfect for relaxing, entertaining, or weekend cookouts--or take advantage of the sparkling community pool. Conveniently located near the Superstition Freeway, Mesa Community College, The Lightrail, Banner Desert Hospital, Southern Palms Shopping Center, Shalimar Golf Club, and a variety of parks and recreational destinations. Come discover the comfort, convenience, and easy-care lifestyle this home has to offer!

830 S Dobson Road Unit 50, Mesa
$349,500
2 Beds ⋅ 3 Baths ⋅ 7078100 MLS ⋅ 1,119 SqFt.
Designer-renovated and meticulously maintained, this stylish two-bedroom, two and 1/2 bath condominium is a true showpiece. The beautifully updated interior features quartz countertops, a Bosch dishwasher, a stainless steel refrigerator, luxury vinyl plank flooring, and a versatile office nook ideal for working from home. Enjoy the warmth of the fireplace, a private downstairs patio, and upgraded upstairs balconies. Additional upgrades include an updated water heater and updated HVAC units. Thoughtfully designed for both comfort and everyday living, this move-in-ready home offers the perfect combination of style, convenience, and location.

1222 W Baseline Road Unit 143, Tempe
$300,000
2 Beds ⋅ 3 Baths ⋅ 7078085 MLS ⋅ 1,120 SqFt.
INVESTORS this is the home for you! Tenant occupied and lease in place! This Lovely Chandler 2 BR, 2.5 bath, 2 story townhouse. 2 Master BR's. Granite countertops, fireplace, newer washer, dryer, fridge, microwave and water heater. HVAC new in May 2020 as well. One of the BR's has barn doors hiding the large closet. Community pool. Close to a ton of retail and restaurants and just a couple miles from awesome downtown Chandler and it's breweries, nightlife and fun festivals.

1961 N Hartford Street Unit 1061, Chandler
$400,000
2 Beds ⋅ 2 Baths ⋅ 7078065 MLS ⋅ 1,321 SqFt.
Experience effortless resort style living in this beautifully maintained home, ideally situated within Encanterra's sought after Resort Collection. Designed for the ultimate lock and leave lifestyle, this home is equally suited for a full time residence or the perfect Arizona winter escape. Thoughtful upgrades and timeless finishes are found throughout, including tile flooring, plantation shutters, and upgraded lighting that create a polished yet inviting feel. At the heart of the home, the upgraded chef's kitchen offers a beautiful and functional space for everyday living and entertaining. A thoughtfully designed office alcove provides the perfect place to work from home or manage daily tasks without sacrificing valuable living space. Even the garage has been elevated, featuring epoxy f eaturing epoxy flooring and custom cabinetry for exceptional organization and additional storage, an especially valuable feature for seasonal homeowners. The golf cart may also be available, making it even easier to embrace the Encanterra lifestyle from the moment you arrive. Low maintenance, beautifully cared for, and designed with convenience in mind, this is the kind of home that allows you to simply lock the door and go. Spend less time maintaining your home and more time enjoying everything that makes Encanterra so special, from resort style amenities and golf to dining, fitness, activities, and an incredible sense of community. Whether you are looking for your year round Arizona home or a warm weather retreat, this is an exceptional opportunity to enjoy the Encanterra lifestyle with ease.

708 E Cobble Stone Drive, Queen Creek
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