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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

$265,000
2 Beds ⋅ 2 Baths ⋅ 7034583 MLS ⋅ 984 SqFt.
This property is located in a Community Lending-eligible area, offering potential buyers incentives such as reduced rates or closing cost assistance. Your Tempe Lifestyle Awaits! This 2-story, 2-bed, 1.5-bath townhome-style condo offers low-maintenance living without sacrificing the unbeatable urban convenience of being minutes from ASU and local hot spots. The lower level features a living room, a convenient half-bath, and an eat-in kitchen that flows seamlessly to your own enclosed rear patio. Upstairs, you'll find two bedrooms with roomy closet space and a full shared bathroom, providing a private retreat from the living areas below. Complete with a covered carport parking space and access to a refreshing community pool. Minutes from Downtown Tempe, Tempe Town Lake, and easy freeway access (Loop 202 & I-10). Don't miss this incredible opportunity!

1055 W 5th Street Unit 13, Tempe
$279,900
2 Beds ⋅ 1 Baths ⋅ 7034405 MLS ⋅ 858 SqFt.
Completely updated and move-in ready, this beautifully renovated single-level townhome in Bradley Manor offers comfort, convenience, and low-maintenance living in the heart of Tempe. Enjoy two covered parking spaces, a private storage unit, and direct access to Norton Park, the community pool, and expansive green space. The HOA provides exceptional value by covering water, sewer, trash, exterior maintenance, roof repair and replacement, and blanket insurance. Recent improvements include a new roof, HVAC system, dual-pane windows, cabinetry, quartz countertops, luxury vinyl plank flooring, appliances, and a beautifully remodeled bathroom. The spacious primary bedroom opens directly to a private patio, creating the perfect spot for morning coffee or evening relaxation. Conveniently located near ASU, shopping, dining, parks, major employers, and freeway access.

6507 S Kenneth Place Unit C, Tempe
$390,000
3 Beds ⋅ 2 Baths ⋅ 7034300 MLS ⋅ 1,560 SqFt.
Your new 3-bedroom, 2-bathroom Tempe home offers the perfect combination of location, lifestyle, convenience, and flexibility in one of the most desirable areas of the Valley. With close proximity to Arizona State University makes this property ideal for students. The location is also great for professionals, winter visitors, or anyone who wants to enjoy everything Tempe has to offer while still having easy access to the rest of the Phoenix metro area. Your new home is situated in a beautifully maintained community featuring a sparkling community pool, spa, tennis courts, walking paths, mature landscaping, and inviting common areas that create a true Arizona resort-style atmosphere. Whether you are looking for a low-maintenance primary residence, seasonal lock-and-leave home, or investment property, this community offers the lifestyle many buyers are searching for. Inside, your new home features a functional floor plan with spacious living areas, natural light, comfortable bedrooms, and flexible living space perfect for roommates, guests, a home office, or college living. The layout provides both privacy and functionality, making it a great fit for a variety of living situations. Previously operated as a successful Airbnb, this property also presents an outstanding opportunity for buyers looking for income potential or a flexible investment property in a high-demand location near ASU and some of the Valley's most popular destinations. Living here places you close to Arizona State University, Tempe Marketplace, Mill Avenue, Old Town Scottsdale, Sloan Park, Cubs Spring Training, Sky Harbor International Airport, Mesa Riverview, and countless shopping, dining, entertainment, hiking, golf, and recreation opportunities. Major freeway access including the Loop 101, Loop 202, US-60, and I-10 makes getting around the Valley simple and convenient.

1608 S Torre Molinos Circle, Tempe
$491,500
4 Beds ⋅ 3 Baths ⋅ 7034192 MLS ⋅ 1,747 SqFt.
What a beautiful 4-bedroom townhome nestled in the popular Via Sorento! This desirable end-unit gem offers comfort and style. Inviting great room enhanced by picture windows and bountiful natural light creates a warm and welcoming atmosphere. Lovely kitchen offers SS appliances, recessed lighting, fire sprinkler, granite counters, ample cabinetry with crown moulding, and a breakfast bar. Sizable primary bedroom is complete with plush carpet, a private bathroom with an enclosed glass shower, and a walk-in closet. Additional highlights include a 2nd main bedroom with its own bathroom and a flexible loft ideal for an office, TV area, or lounging space. Enjoy peaceful mornings on a cozy balcony or take advantage of the Community's exceptional amenities. Don't miss out on this amazing home!

240 W Juniper Avenue Unit 1116, Gilbert
$334,000
3 Beds ⋅ 2 Baths ⋅ 7034135 MLS ⋅ 1,558 SqFt.
Welcome to Alta Mesa Resort Village, one of Mesa's most desirable GATED golf course communities. This beautifully maintained townhome sits directly on the 13th Tee of the Alta Mesa Golf Course and offers stunning views of the lake, lush fairways, and unforgettable Arizona sunsets. Residents enjoy resort style amenities including a sparkling community pool, relaxing hot tub, and impeccably landscaped grounds that create a peaceful and private atmosphere year round. Inside, the home features three spacious bedrooms with generous closet space, plantation shutters throughout, and an attached one car garage which is a rare find in townhouse communities. The HVAC system was replaced in 2015. Whether you are looking for a full time residence, winter retreat, low maintenance lifestyle. Golf course living with lock and leave convenience, this home checks every box. Located near shopping, dining, golf, parks, and freeway access, this is the perfect opportunity for buyers seeking an active Arizona lifestyle in a highly sought after Mesa location.

5450 E Mclellan Road Unit 235, Mesa
$329,900
3 Beds ⋅ 2 Baths ⋅ 7034044 MLS ⋅ 1,092 SqFt.
Fully remodeled from top to bottom, this single-level 3-bedroom, 2-bath Tempe townhome feels brand new. Major big-ticket upgrades include a brand-new AC system, new dual-pane windows, and a brand-new water heater. The kitchen features new soft-close cabinets, quartz countertops, and stainless steel appliances. Bathrooms have been completely updated, and the home includes new flooring, baseboards, carpet, lighting, and plumbing fixtures throughout. Enjoy a private patio off the kitchen, storage shed, and two reserved covered parking spaces just steps from the unit. Community features multiple pools, grassy areas, and convenient access to shopping, dining, ASU, and freeway routes.

824 W Malibu Drive, Tempe
$469,000
4 Beds ⋅ 4 Baths ⋅ 7033322 MLS ⋅ 1,883 SqFt.
Great opportunity! This move-in-ready, low maintenance and HOA townhome is the one you've been waiting for. From the moment you arrive, you'll find carport parking, a 1-car garage, & a cozy front porch ideal for enjoying quiet mornings. Sleek interior features wood-look flooring, ceiling fans, & recessed lighting that illuminates every corner. Inviting & bright great room is thoughtfully designed for everyday living & entertaining. The kitchen has built-in appliances, granite counters, & plenty of cabinets. Sizable main bedroom offers outdoor access & a bathroom for added comfort. In the basement, you'll have a bonus room perfect for a TV area or office & an additional bedroom. After a busy day, unwind on the balcony while sipping your favorite drink. PLUS! Close to the ASU campus. Don't let this gem slip by

2016 S Hammond Drive Unit 103, Tempe
$290,000
2 Beds ⋅ 2 Baths ⋅ 7033174 MLS ⋅ 1,055 SqFt.
Welcome to this beautifully maintained 2-bedroom, 2-bath townhome located in the highly sought-after golf course community of Augusta Ranch! Lightly lived in and truly turnkey, this inviting home features a bright, open layout filled with natural light and a convenient ground-floor primary suite. With two spacious bedrooms, two full bathrooms, and a versatile loft, this home offers flexibility for a variety of lifestyles--whether you're looking for a full-time residence, seasonal retreat, or low-maintenance living. Enjoy all that Augusta Ranch has to offer! Great central park with an Elementary school next door, a pub on the grounds which holds specials and events especially around the holidays and even has a golf courses nearby. This is resort-style living in one of Mesa's most desirable communities!

9233 E Neville Avenue Unit 1012, Mesa
$284,900
2 Beds ⋅ 2 Baths ⋅ 7033134 MLS ⋅ 892 SqFt.
This charming 2 bedroom, 2 bath condo offers the perfect blend of comfort, convenience, and style. Featuring a spacious layout, attached 1 car garage, and access to outstanding community amenities, this home is ideal for relaxed living. Nestled in a quiet neighborhood, residents enjoy peaceful surroundings while being just minutes from shopping, dining, entertainment, and major commuter routes. Whether you're looking for a primary residence, seasonal retreat, or investment opportunity, this condo delivers an unbeatable location and exceptional lifestyle.

9233 E Neville Avenue Unit 1131, Mesa
$334,999
2 Beds ⋅ 2 Baths ⋅ 7033119 MLS ⋅ 1,152 SqFt.
This beautifully maintained home offers numerous turn-key features, including upgraded paver landscaping, low-maintenance turf grass, and a remodeled kitchen with modern finishes. Renovated in 2021, the home combines updated style with functionality and offers ample storage throughout. Conveniently located near major freeway access, shopping, and dining, this property provides both comfort and accessibility. Seller is highly motivated -- don't miss this opportunity!

2209 N Recker Road, Mesa
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