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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

$361,900
3 Beds ⋅ 3 Baths ⋅ 6986476 MLS ⋅ 1,399 SqFt.
MUST SEE! This 3 bedroom, 2.5 bathroom condo in GATED community of Tre Allagio! Tons of shopping including Chandler Mall and great freeway access! Newly installed kitchen appliances, carpet, and water heater. Kitchen with stainless appliances including fridge! This is a great layout with large master bedroom and spacious walk-in closet! Includes washer and dryer! Backyard features covered patio and extended concrete patio. Awesome community pool with tot lot and ramadas! Don't miss your chance to own this wonderful property in great area!

2727 N Price Road Unit 35, Chandler
$455,000
2 Beds ⋅ 3 Baths ⋅ 6986475 MLS ⋅ 2,547 SqFt.
Spacious Townhome in Pueblo at Andersen Springs - Prime Chandler Location! This 2-bedroom, 2.5-bath, 2,547 sq ft townhome offers generous living space in a desirable gated community. The kitchen features granite countertops, stainless sink, garbage disposal, stove vent, and microwave. Recent improvements include HVAC replaced in 2023, new bathroom fixtures (2026), 3 updated toilets, and a 50-gallon water heater. Soft water loop in place (no water softener installed). Enjoy two large primary suites with private baths and balconies, soaring ceilings, and an open-concept living area. Private patio and courtyard spaces offer excellent potential for outdoor enjoyment. Community amenities include pool, spa, and clubhouse. Conveniently located minutes from Intel, Wells Fargo, Chandler Fashion Center, and Downtown Chandler. A fantastic opportunity to personalize and make it your own!

333 N Pennington Drive N Unit 2, Chandler
$319,988
3 Beds ⋅ 2 Baths ⋅ 6985524 MLS ⋅ 1,359 SqFt.
Beautifully maintained, owner-occupied, end -unit condo in the sought-after Superstition Lakes community in Mesa! This 3-bedroom, 2-bath home offers 1,359 sqft of living space with peaceful water fountain sounds from your private patio. Inside features wood plank flooring through the main living areas and primary bedroom, with new carpet in the two guest rooms for added comfort. New carpet on stairs. The open-concept design offers a spacious living room, well-appointed kitchen with new dishwasher, and abundant natural light. Two-car garage included. Newer HVAC system! Community pool access plus water, sewer, garbage, and cable covered. Extensive paved walking paths around multiple community lakes. Short-term rentals allowed, ideal for investors, seasonal residents, or full-time living.

6535 E Superstition Springs Boulevard Unit 242, Mesa
$275,000
2 Beds ⋅ 2 Baths ⋅ 6985328 MLS ⋅ 1,079 SqFt.
Located in the gated 55+ community of Fountain of the Sun, this well-maintained 2-bedroom, 1.75-bath townhome features a desirable corner location, a rare private patio, and guest parking conveniently located right next to the unit. Enjoy an active lifestyle with access to a beautifully maintained golf course, a full calendar of activities, and a pool and hot tub just a short walk away. The community is walkable and bike-friendly, making it easy to stay active and enjoy Arizona sunshine year-round. Ideally situated within the community, this home has been thoughtfully cared for and offers comfortable, low-maintenance living. Please note: this phase of townhomes does not allow pets.

537 S Palo Verde Way, Mesa
$369,900
3 Beds ⋅ 2 Baths ⋅ 6985215 MLS ⋅ 1,310 SqFt.
Discover this lovely two-story townhome in the sought-after Towns at Eastmark! Inside, you'll find a bright and comfortable open layout designed with comfort in mind, where you'll spend enchanting moments. The eat-in kitchen features ample cabinetry, spacious counters, and essential appliances. Get a good night's sleep in the main bedroom, offering a bathroom for privacy. The balcony is the perfect spot for relaxation-imagine yourself enjoying your favorite drink in peace! Great location close to top-rated schools, parks, and the freeway! Hurry up, this one won't last!

9845 E Gamma Avenue, Mesa
$285,000
2 Beds ⋅ 1 Baths ⋅ 6984726 MLS ⋅ 1,073 SqFt.
Welcome to this charming 2-bedroom townhome with a new roof that proves great living doesn't require extra square footage--just smart design. First perk? An attached carport, because hunting for parking should not be part of your daily routine. Step inside to a bright and inviting living room featuring a new decorative wall panel, new baseboards that are perfect for bringing in natural light or stepping out for a breath of fresh air. The kitchen strikes the perfect balance of style and function, with butcher block countertops, a tile backsplash, new lighting, built-in appliances, and a pantry ready to keep everything organized (including that snack stash you definitely don't share). Both bedrooms offer comfortable, well-designed spaces that feel like your own private retreat, ideal for restful nights, a home office setup, or whatever your lifestyle calls for. The bathroom features dual sinks, making busy mornings just a little more civilized. Out back, you'll find a covered patio for relaxing evenings, paved space for easy outdoor living, and a convenient attached shed for extra storage because holiday décor and "I might need this someday" items deserve a home too. Low maintenance, new closet doors, thoughtfully laid out, and full of charm, this townhome is designed to simplify your day-to-day. And if it's checking your boxes, it's probably checking someone else's too.

5308 S La Rosa Drive, Tempe
$460,000
2 Beds ⋅ 2 Baths ⋅ 6984722 MLS ⋅ 1,492 SqFt.
Beautiful Views from this unit, welcome to the best views of Superstition mountain, Two bedroom split floor plan offers east facing patio for morning coffer enjoying the morning sun and open golf course views. New roof being replaced March 2026. Pullout cabinets throughout kitchen.

11250 E Kilarea Avenue Unit 254, Mesa
$394,900
1 Beds ⋅ 1 Baths ⋅ 6984508 MLS ⋅ 882 SqFt.
Truly one of a kind, 1 Bed, 1 Bath, 882 s.f., 11ft Ceilings, loft style exposed ductwork! Here is a rare opportunity for any future urban dweller. This Loft at the Orchidhouse boasts amazing views and great SUNLIGHT from its expansive 3rd floor windows. Customizations galore!! Wood floors, custom painting, custom cut art glass, built-ins, stainless steel, and exposed brick walls. Recently remodeled bathroom with W/D and stainless steel kitchen appliances. Absolutely perfect for entrepreneurs looking for a LIVE-WORK flex space or for any urbanite searching for their very own home in the modern world! Enjoy Mill Avenue's shopping, dining & the Metro light rail, Mill Ave Streetcar, Whole Foods Market, Tempe Town Lake, ASU and all of Downtown Tempe's entertainment right out your front door!

21 E 6th Street Unit 311, Tempe
$271,000
2 Beds ⋅ 2 Baths ⋅ 6984053 MLS ⋅ 1,227 SqFt.
Welcome to this charming 2-bed, 2-bath townhome in Muirfield Village Condominium! The inviting interior showcases abundant natural light, a neutral palette, and soft carpet & tile flooring throughout. You'll love the seamlessly flowing open layout, perfect for everyday living & entertaining! The kitchen boasts black matching appliances, ample wood cabinetry, a pantry, and a 2-tier island w/breakfast bar. Enter the primary bedroom to find a full bathroom for added comfort. The sliding doors from the dining space open to the cozy balcony, where you can relax while enjoying your favorite beverage! This gem also includes an attached 1-car garage, ensuring secure parking and extra storage. Take advantage of the Community pool, spa, and playground. Excellent Mesa location! Don't miss this gem!

1255 S Rialto -- Unit 134, Mesa
$449,500
3 Beds ⋅ 2 Baths ⋅ 6984002 MLS ⋅ 1,732 SqFt.
Welcome to Tempe's Shalimar East, a well-maintained, stable community with mature landscaping and a quiet atmosphere. Homes rarely come up for sale, reflecting residents' long-term satisfaction. This turn-key residence offers both privacy and comfort. This home combines modern updates with timeless design. Step inside to a soaring vaulted ceiling and a light, bright great room floor plan that creates an open, inviting atmosphere. The beautifully remodeled kitchen features stainless steel appliances, granite countertops, a breakfast bar, and ample cabinetry (soft close, of course)-perfect for both everyday living and entertaining. Enjoy the gorgeous Arizona days from your private courtyard. This property backs to a lush grassy common area with the sparkling community pool just steps away, creating a resort-like feel. The home showcases renovated bathrooms, updated flooring, neutral paint tones, and stylish lighting and ceiling fans throughout. Modern floating stairs add a contemporary touch to the interior design. All three of the bedrooms are spacious and comfortable. There are two bedrooms up with a full bath to share, and one bedroom down with a powder room. **The seller is willing to install a shower & vanity downstairs if the buyer is interested**. See example photos in the gallery. Additional highlights include a spacious two-car garage. A definite bonus to most townhome floor plans. This is the perfect lock-and-leave property! The flat roof portion was resurfaced in Jan/Feb 2026. The tile portion in 2022. The a/c unit is newer, replaced in 2020, and the water heater in 2024. All new double-pane windows, and an Arcadia door on all west-facing windows. The stackable washer/dryer and refrigerator all convey! The big-ticket items have been taken off your to-do list! Tempe has so much to offer. A central location close to shopping, dining, great golf courses, Arizona State University, The Botanical Garden, Phoenix Zoo, Papago Park, and the list goes on and on. Easy access to the 101, 202, and US-60, yet the neighborhood feels tucked away from the city's hustle. Shalimar East combines the best of Tempe living: central convenience, peaceful surroundings, and a true sense of community. Visit today, you'll be happy you did!

3147 S Fairfield Drive, Tempe
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