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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

$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
$295,000
2 Beds ⋅ 3 Baths ⋅ 7078056 MLS ⋅ 1,184 SqFt.
INVESTORS this is the home for you! Tenant occupied and lease in place! Beautiful 2 BR, 2.5 bath two-story townhouse. Two master BR's. Fireplace. Granite countertops, undermount kitchen sink, Matching black kitchen appliances; cook top stove. Washer/dryer/fridge all included. Ceiling fans throughout. Small private yard. Quiet area towards the back of the complex. Beautifully maintained, sparkling community pool (see pictures). Great public and charter schools in the area. Close to downtown Chandler.

1961 N Hartford Street Unit 1101, Chandler
$399,000
2 Beds ⋅ 2 Baths ⋅ 7078042 MLS ⋅ 1,809 SqFt.
BETTER THAN NEW Townhome In Premier Gated Community Offered Turnkey Furnished & Move In Ready! NEW ROOF, NEW Heating & Cooling, NEW Paint, NEW Carpet, GORGEOUS Neutral Tile, NEW Appliances, NEW Pavers, New Window Treatments, NEW RO, NEW Fountains, Upgraded Fans, Fixtures & Hardware T/O & SO Much More! Tranquil Entrance w/Fountain Opens T/O Beautiful Vaulted Ceiling Great Room & Gorgeous Dining & Kitchen! Backyard w/Extended Pavers Perfect For Relaxing & Entertaining! Stunning Home - Lock and Leave Gated Community!

8762 E Sandtrap Court, Gold Canyon
$475,000
3 Beds ⋅ 3 Baths ⋅ 7077986 MLS ⋅ 1,950 SqFt.
Some homes simply make life easier--and this beautifully enhanced Avaton is one of them. Tucked into the heart of Encanterra, this residence puts you remarkably close to the community's two clubhouses, making it easy to step out your front door and into the social, active lifestyle you've been looking for. Inside, the home has been thoughtfully transformed with approximately $120,000 in owner-selected improvements. New luxury vinyl flooring sets a fresh, sophisticated foundation, complemented by white shaker cabinetry, upgraded countertops, an enhanced appliance package and built-in speakers that make the home feel polished without sacrificing warmth. The open great room is the natural gathering place, flowing seamlessly into the chef's kitchen and creating a layout that works just as beautifully for a quiet morning at home as it does for entertaining friends. The owner's suite is conveniently located on the main level, offering privacy and ease, while the upper level introduces an entirely different dimension to the home. A spacious loft and additional bedroom can become whatever your life calls for--a private guest retreat, creative studio, fitness space, media lounge or simply a place to disappear with a good book. The flexibility is yours. And perhaps the greatest luxury is what you don't have to do. This is a home designed for low-maintenance living, allowing you to spend less time on upkeep and more time enjoying everything Encanterra has to offer. Golf, dining, recreation, fitness, social gatherings and endless opportunities to enjoy the Arizona sunshine are all part of the experience. Here, the lock-and-leave lifestyle doesn't mean giving something up--it means gaining more time to enjoy the life you've worked for. Welcome to the easy side of Encanterra.

845 E Silversword Lane, Queen Creek
$495,000
2 Beds ⋅ 3 Baths ⋅ 7077858 MLS ⋅ 1,811 SqFt.
Immaculate 2-3 bedroom gated townhome located on the 3rd fairway of Sidewinder Golf Course in Tesoro. Enjoy some of the best Superstition Mountain Views in Gold Canyon from this beautifully maintained home. The kitchen features new cabinets, laminate flooring and updated appliances. New stackable washier and dryer upstairs. Versatile office or guest bedroom includes a Murphy bed. Covered brick patio plus a private balcony off one of the two primary suites which offers a garden tub, separate shower, walk-in closet and stunning golf course views. Clubhouse with heated pool. spa and exercise room. This property makes for a great home or vacation rental. Offered partially furnished as a turn-key opportunity -- this is a must see!!

5273 S Overlook Trail, Gold Canyon
$280,000
2 Beds ⋅ 2 Baths ⋅ 7077715 MLS ⋅ 1,119 SqFt.
Welcome home to this beautifully 2-bedroom, 2-bath in East Mesa! This upstairs home features a desirable living floor plan, new carpet, fresh interior paint, a new AC unit, and a new water heater. The home is located in a gated community offering a community pool, parks, and golf course access. Conveniently located near the US 60 and Loop 202, with easy freeway access, Mesa Gateway Airport, shopping, and dining.

2024 S Baldwin -- Unit 23, Mesa
$327,000
3 Beds ⋅ 2 Baths ⋅ 7077600 MLS ⋅ 1,116 SqFt.
THIS IS IT!!!!GREAT INVESMENT OPPORTUNITY WITH GREAT PONTENTIAL !!! LOCATION!!!LOCATION!!!LOCATION!! GREAT DESIRABLE NEIGHBORHOOD!! NICE AND COMFORTABLE OPEN SPACE WITH VAULTED CEILINGS!! DO NOT LOOSE THIS OPPORTUNITY!!

876 S Nebraska Street Unit 10, Chandler
$357,500
3 Beds ⋅ 2 Baths ⋅ 7077432 MLS ⋅ 1,464 SqFt.
Charming townhome offering comfortable living and convenient amenities! The light-filled interior features soaring vaulted ceilings and wood-look flooring, creating an open and inviting atmosphere. The spacious living room is ideal for relaxing or entertaining. The kitchen has stainless steel appliances, rustic cabinetry, granite countertops, and a breakfast bar perfect for casual dining or morning coffee. The main bedroom offers a walk-in closet and private bathroom for added convenience. Upstairs bedrooms feature mirrored-door closets, providing both style and ample storage. A versatile loft offers flexible space for a media area, home office, or additional living space. Additional highlights include a 2-car garage and a desirable location near parks, walking path, dining & shopping.

4330 E Jasper Drive, Gilbert
$315,000
2 Beds ⋅ 3 Baths ⋅ 7077375 MLS ⋅ 1,122 SqFt.
Exterior charm like 1600 N Saba in Chandler, AZ is where a house becomes a home, specifically unit 132 featuring 2 beds, 2.5 bathrooms, and beautiful upgrades throughout!! When you enter, you're attention is captured by the light wood-look LVP throughout, natural light, and tastefully upgraded 1/2 bath downstairs. Upstairs both bathrooms have been updated to continue the bright and airy feel the home provides. Both bedrooms feature the neutral and stunning LVP. Upstairs laundry is conveniently located between both bedrooms. Seller has carefully updated many areas in the home: 2024- All Flooring, Vanity's / shower/ tub / toilets, whole interior paint, NEW water heater + main water line piping and in 2025 - NEW WINDOWS, blinds + fans. No detail has been overlooked! Outdoors you can enjoy Arizonas sunsets in your private courtyard, spacious enough for seating or a patio table. You'll find private storage out back with a gate leading to your dedicated carport parking spot. Your home is conveniently located near the community pool, just minutes away from downtown Chandler, freeways (loop 202, 60, and 101). This location is a highly desired prime area of Chandler and move in ready for you!

1600 N Saba Street Unit 132, Chandler
$379,000
2 Beds ⋅ 3 Baths ⋅ 7077364 MLS ⋅ 1,321 SqFt.
$2,382.55 ASSUMABLE MONTHLY PAYMENT === Beautiful townhouse offering dual Owner Suites, 3 baths, and an open floor plan with 9+ flat ceilings. The living room provides a welcoming space for relaxing and entertaining. The stylish kitchen features quartz countertops, stainless steel appliances, tile backsplash, modern cabinetry, and a pantry. Upstairs, the spacious primary bedrooms offers a vanity sink, step-in shower, and walk-in closet. A versatile loft provides additional space for an office, media area, or retreat. Enjoy the private patio and low-maintenance landscaping. Located in a gated community with biking and walking paths, a children's playground, and convenient access to a nearby bus stop. Don't miss this great Laveen opportunity!

7527 W Donner Drive, Laveen
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