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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

$245,000
2 Beds ⋅ 2 Baths ⋅ 7027944 MLS ⋅ 1,142 SqFt.
Welcome to Sunland Village, one of Mesa's most sought after 55+ golf communities! This beautifully updated 2 bedroom, 2 bath home offers 1,142 sqft of comfortable living with stylish upgrades throughout. Major improvements include a new roof (2023), HVAC system (2021), and water heater (2024), providing peace of mind for years to come. nside, the home has been thoughtfully refreshed within the last year with new flooring and baseboards, quartz kitchen countertops, freshly painted kitchen cabinets, updated appliances, raised bathroom vanities, popcorn ceiling removal, and all new fixtures. The bright, inviting layout is move-in ready, and all appliances are included for added convenience. Situated in the no pets section of the community, this home offers a quiet and peaceful setting.

520 S Greenfield Road Unit 39, Mesa
$468,000
4 Beds ⋅ 3 Baths ⋅ 7027935 MLS ⋅ 1,675 SqFt.
Seller Financing Available!! Beautiful 4 Bedroom Home in an Unbeatable Location Near Shopping, Dining & Entertainment! This spacious and light-filled home features soaring vaulted ceilings, an open-concept floorplan, and an upgraded kitchen with rich cabinetry, granite countertops, stainless steel appliances, and a breakfast bar overlooking the living space. The expansive layout offers 4 full bedrooms, providing plenty of room for family, guests, home offices, or flex space. Large windows bring in abundant natural light while the open living and dining areas create the perfect setting for entertaining. Conveniently located just minutes from major freeways, top shopping destinations, restaurants, movie theaters, parks, and entertainment hotspots.

2401 E Rio Salado Parkway Unit 1095, Tempe
$289,900
2 Beds ⋅ 2 Baths ⋅ 7027838 MLS ⋅ 1,046 SqFt.
Welcome to 3491 N Arizona Avenue in the heart of Chandler, a beautifully maintained 2 bedroom, 2 bath home offering dual primary suites, each with its own private en suite bathroom for the perfect blend of comfort and functionality. Located in the desirable Discovery at Daybreak community, this home features an inviting layout, abundant natural light, and a private back patio ideal for relaxing, entertaining, or enjoying Arizona evenings outdoors. Residents enjoy access to a community pool, lush green spaces, and a prime Chandler location just minutes from Downtown Chandler, Chandler Fashion Center, the Loop 202, and US 60. With nearby parks, dining, shopping, and scenic Western Canal walking and biking paths, this home combines low-maintenance living with exceptional convenience in one of the East Valley's most connected locations.

3491 N Arizona Avenue Unit 39, Chandler
$459,000
3 Beds ⋅ 2 Baths ⋅ 7027451 MLS ⋅ 1,772 SqFt.
Beautifully maintained condo in the heart of Chandler! This move-in ready unit features an upgraded kitchen with modern finishes, ample cabinetry, and generous counter space that opens seamlessly to the dining and living areas, perfect for entertaining. The home also showcases stylish wood-look tile flooring throughout the main living spaces, adding both elegance and durability. Enjoy a bright and open floor plan with abundant natural light and a functional layout ideal for comfortable living or a lock-and-leave lifestyle. Conveniently located near shopping, dining, entertainment, parks, and easy freeway access. Excellent opportunity for a primary residence, winter retreat, or investment property in a highly desirable Chandler location!

1255 N Arizona Avenue Unit 1236, Chandler
$349,900
2 Beds ⋅ 3 Baths ⋅ 7027449 MLS ⋅ 1,100 SqFt.
Tempe is waiting for you at this 2-bedroom townhome. Inside, guests find two master bedrooms and three bathrooms, perfect for a roommate or small family. This is a charming home close to Tempe Marketplace, Mesa Riverview, and ASU. Professional and soon-to-be professionals will love the atmosphere and the 2-car garage.

2401 E Rio Salado Parkway Unit 1072, Tempe
$364,900
2 Beds ⋅ 2 Baths ⋅ 7027329 MLS ⋅ 1,206 SqFt.
JUST A SHORT WALK TO DOWNTOWN GILBERT and the NEW Heritage Park expansion! Located in the gated community of Via Sorento, this beautifully maintained two-level townhome offers the perfect blend of comfort, convenience, and style. The owner has thoughtfully updated and meticulously cared for the home throughout ownership. Inside, you'll find wood-look tile flooring, fresh paint, vaulted ceilings, fire sprinklers, and abundant natural light. The kitchen features granite counters, stainless steel appliances, white cabinetry with crown molding, recessed lighting, and a large island with breakfast bar seating. The spacious primary suite includes dual sinks, a walk-in closet, and plush carpet. Enjoy peaceful mornings or evenings on the private balcony overlooking the neighborhood.

240 W Juniper Avenue Unit 1169, Gilbert
$395,000
3 Beds ⋅ 2 Baths ⋅ 7027228 MLS ⋅ 1,309 SqFt.
Welcome home to this lightly lived in only 2 years young beatiful townhome. This Verdin model features the primary bedroom on the lower level with seperate bathroom which features double vanity with quartz counter top and walk-in shower as well as a walk in closet. Laundry w/stackable washer\dryer also located on lower level. Upstairs you will enjoy an open concept with balcony off of the great room. Kitchen features white cabinets with soft close, quartz counter tops w/bar seating as well as a seperate dining area and double door pantry. There are 2 secondary bedrooms as well as a full bath w/linen closet. All appliances convey also included soft water system and RO. The attached 2 car garage has plug for EV. Located close to dining and shopping. Don't miss out on making this home yours!

778 S Olympic Drive, Gilbert
$325,000
2 Beds ⋅ 2 Baths ⋅ 7026747 MLS ⋅ 897 SqFt.
LAKEFRONT CONDO Living in Chandler Near Shopping, Dining & Loop 101! Ground-floor lakefront condo in a gated Chandler community with direct water views, private patio access, and resort-style amenities near Dobson Rd & Ray Rd. This remodeled 2-bedroom, 2-bath condo offers approximately 897 sq ft and covered patio overlooking the lake, plus exterior storage space. Fishing and boating are permitted on the community lake, creating a unique waterfront lifestyle in the heart of Chandler. Interior upgrades completed in 2022 include wood-look tile flooring throughout, refinished cabinetry, Dunn-Edwards interior paint, LED lighting, faux wood blinds, updated fixtures, and remodeled bathrooms. The kitchen features quartz-look countertops, gray shaker-style cabinets, black appliances microwave, dishwasher, refrigerator, and glass-top range. Full-size washer and dryer included. The primary suite offers lake views, a large walk-in closet, detached vanity area, and a remodeled walk-in shower with multiple shower heads including a rain shower feature and upgraded Moen fixtures. Guest bath includes a 5-foot soaking tub and updated vanity. Sliding glass doors open directly to the covered patio overlooking the lake, ideal for outdoor dining, relaxing, or enjoying sunset water views. Community amenities include 3 swimming pools, fitness center, tennis courts, BBQ areas, walking/jogging paths around the lake, covered parking, and gated entry. Additional updates include new HVAC and water heater installed in 2024. HOA covers water, sewer, and trash. Located 0.3 miles to Fry's Marketplace, 0.4 miles to Sprouts Farmers Market, 0.5 miles to Pita Jungle, 1.5 miles to Loop 101 access, 2.0 miles to Chandler Fashion Center, and 3.5 miles to Intel's Chandler campus. Convenient access to dining, shopping, parks, golf, and major employment corridors throughout Chandler and the East Valley!

1825 W Ray Road Unit 1113, Chandler
$450,000
2 Beds ⋅ 2 Baths ⋅ 7026732 MLS ⋅ 1,633 SqFt.
Welcome to Tuscany Villas at Painted Mountain Golf Course -- a highly sought-after gated, lock-and-leave community offering effortless desert living and resort-style amenities. This rare free-standing golf course villa, creating the perfect opportunity for full-time living or a seasonal retreat. Designed with an open-concept layout, the home offers comfortable and functional living spaces ideal for both everyday enjoyment and entertaining. The kitchen features stainless steel appliances, granite countertops, a large prep island, abundant cabinetry, and seamless flow into the dining and family room areas. Expansive windows invite in beautiful natural light, while tile flooring throughout the main living areas provides both style and easy maintenance. The spacious owner's suite is a private retreat featuring a bay window sitting area, walk-in closet, and an en-suite bath complete with dual sinks, a relaxing soaking tub, and walk-in shower. The secondary bedroom functions as a true en-suite with a tub/shower combination, offering comfort and privacy for guests. Additional highlights include a laundry room with added cabinetry for storage and a spacious two-car garage. Step outside to your private backyard retreat featuring an electric awning, extended patios and a built-in gas firepit with seating -- the perfect setting for relaxing Arizona evenings and outdoor entertaining. Enjoy the convenience of a single driveway, low-maintenance living, and the exceptional lifestyle Tuscany Villas is known for. Residents enjoy access to community amenities including a clubhouse, heated pools and spa, fitness center, pickleball courts, billiards, scenic walking paths, and beautifully maintained grounds. HOA includes: roof maintenance, exterior maintenance, front landscaping, cable, internet, and blanket insurance coverage -- delivering exceptional lock-and-leave convenience. Residents of Tuscany Villas enjoy resort-style amenities including a clubhouse, pools and spa, fitness center, pickleball courts, billiards, landscaped parks, playgrounds, and scenic walking paths -- all supporting an active and vibrant lifestyle.

6202 E Mckellips Road Unit 190, Mesa
$459,000
2 Beds ⋅ 3 Baths ⋅ 7026684 MLS ⋅ 1,536 SqFt.
Experience the best of Tempe at this FULLY FURNISHED three-story 2-bed/2.5-bath Chicago style Brownstone townhome with brand NEW HVAC, washer, dryer (2025) and a community pool! Best location in Tempe - close proximity to Mill Ave, Tempe Beach Park, and ASU. Discover a welcoming living room and family room, perfect for entertaining or relaxing, where abundant natural light fills every corner. Formal dining room is ready for hosting dinner parties. Thoughtful touches such as wood-look tile flooring and fresh paint throughout create a bright and inviting atmosphere. Well-appointed kitchen displays recessed lighting, stainless steel appliances, ample cabinetry, and granite counters. Airy primary bedroom is upstairs for extra privacy, complete with a private bathroom featuring a shower & . . . tub combo and a walk-in closet. After a busy day, unwind on the cozy balcony or go for a swim in the community pool. Hurry, This amazing gem is the one you're looking for!

570 W 6th Street, Tempe
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