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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

$323,500
3 Beds ⋅ 2 Baths ⋅ 6926255 MLS ⋅ 1,220 SqFt.
Spacious 3-bedroom, 1.5 bath two story home offering over 1,200 square feet in an unbeatable Tempe location! This light and bright home features new flooring throughout, a newly updated kitchen and bathrooms, brand new air conditioning unit, brand new roof, and new windows along the rear of the home facing the courtyard. A large front great room flows seamlessly into a designated dining area just off the kitchen, with a convenient half bath located downstairs, creating an inviting and functional living space. Upstairs, there are three bedrooms including a spacious primary bedroom with a generous walk-in closet and a full dual-access bathroom connecting both to the primary bedroom and the hallway for added convenience. Enjoy the private courtyard patio on the main level, with a rear entrance leading directly to covered parking. The courtyard also includes a nicely sized storage shed for additional storage. Ideally positioned within the community, the home is conveniently close to the large sparkling pool and surrounded by green space, palm trees, and walking paths. Community amenities also include tennis and basketball courts. Located near the 18th hole of Ken McDonald Golf Course and perfectly situated in the heart of Tempe, just minutes from Arizona State University, shopping, dining, the US 60, and Chandler Fashion Center. Well suited for a variety of uses, including primary residence, student housing near ASU, or long-term rental potential.

6512 S Mcallister Avenue, Tempe
$439,000
2 Beds ⋅ 2 Baths ⋅ 6924352 MLS ⋅ 1,342 SqFt.
This home is located in the amazing guard-gated resort community of Encanterra. **Owned Solar**This well-maintained 2-bedroom-2-bathroom-2-car garage home features an open Floorplan, tile flooring throughout. Plantation shutters, recessed lighting, and ceiling fans. The kitchen offers cabinets with crown molding, tile backsplash, stainless steel appliances, solid surface counters, and a prep island with a breakfast bar and desk area. The primary bedroom has a walk-in closet and a private ensuite with dual sinks. Don't miss the stacked washer and dryer. The spacious backyard is one of the larger lots in the community with mountain views. Covered patio. This incredible community offers Golf, Pools, Tennis, Fitness Centers, and a Restaurant.This home and community are a must-see!

943 E Cobble Stone Drive, Queen Creek
$305,000
2 Beds ⋅ 2 Baths ⋅ 6922682 MLS ⋅ 1,187 SqFt.
Crazy reduction in this fabulous location! Buyer backed out and most repairs completed! Carpets professionally cleaned and move in ready! Easy access to the 60 for commuting and Starbucks close enough to walk to. This tri level includes all appliances, washer/dryer as you enter lower garage level in the inside laundry room and entry space. The actual building is in close proximity to the community pool. The corner unit certainly provides a bit more privacy and is rignt across from a greenbelt to allow for easy pet walks. All mountings and tvs will stay, so take a look! Owner has HVAC warranty in place that is transferrable through 2033.

754 N Laguna Drive, Gilbert
$274,900
2 Beds ⋅ 2 Baths ⋅ 6917474 MLS ⋅ 1,144 SqFt.
Your sweet condo home awaits your pleasure in this lovely gated, quiet community in the heart of Mesa. 202 Red Mountain freeway nearby with easy access to all points North, South, East, and West! It is move-in ready with fresh paint & carpet. Enjoy your morning coffee with golden sunshine flooding your space overlooking the pool and golf course from your balcony. Be at ease entertaining in your well-appointed kitchen with tons of cabinets & counterspace. All appliances included (fridge, washer & dryer). ONLY an electric bill (HOA covers the water, sewer, & trash)! The attached direct-access garage adds peace of mind + storage! Walk to nearby Fry's grocery, fitness club, vet, nails & more. Close to ASU & Cubs Spring Training. Move-In and enjoy EZ living today. HOA beautifully maintains the property with recent exterior building repaint and security lighting, new pool surround and fencing, new pedestrian gates and larger mailboxes.

1335 E June Street Unit 239, Mesa
$349,900
2 Beds ⋅ 2 Baths ⋅ 6912218 MLS ⋅ 1,479 SqFt.
Welcome to this charming 2-bedroom, 2-bath condo in the gated Toscano Villas of Gold Canyon. Situated on a desirable corner lot and directly across from the community pool, this home offers convenience and resort-style living. The bright and open floor plan features a spacious living area, well-appointed kitchen, and dining space perfect for everyday living or entertaining. The primary suite includes a private bath and ample closet space, while the second bedroom is ideal for guests or a home office. Enjoy the beauty of the Superstition Mountains and easy access to hiking, golf, dining, and shopping. Low-maintenance living in a prime location makes this the perfect retreat or full-time residence.

5370 S Desert Dawn Drive Unit 57, Gold Canyon
$339,900
2 Beds ⋅ 3 Baths ⋅ 6910702 MLS ⋅ 1,138 SqFt.
Easy living at its best...lock and leave or walk 5 minutes to the excitement of downtown Gilbert! Unit is great condition, DOM due to lender issues. This condo couldn't be more upgraded or better located! Brand new plank tile flooring, brand new carpet, and brand new neutral paint with white accent molding. All brushed nickel light fixtures, faucets and door handles. The kitchen features white Shaker cabinets with crown molding, granite countertops and matching appliances. Wood blinds on every window and interior paneled doors. The powder room on the main floor has been upgraded as well. All appliances, including the washer and dryer, convey. Two Primary suites make this easy to have a roommate or out-of-town guests. There's a small ''what's the weather doing'' balcony too. There's a small "what's the weather doing?" balcony, too. The unit has a brand new water heater and garage ceiling rack for storage. Lots to do in the community...exercise room, volleyball, 2 pools, 2 children's playgrounds, and walking paths. All you have to do is move your furniture in and start enjoying these amenities and "the good life"!

240 W Juniper Avenue Unit 1054, Gilbert
$329,000
2 Beds ⋅ 2 Baths ⋅ 6890789 MLS ⋅ 1,340 SqFt.
Welcome to this charming 2-bedroom, 2-bath patio home in a desirable 55+ community that features its own private community pool. Inside, you'll find a spacious living room, indoor laundry, and a large 2-car garage for added convenience. The private back patio offers a peaceful outdoor retreat, perfect for relaxing or entertaining. Also, the roofs were recently replaced in 2022.

2055 N 56th Street Unit 20, Mesa
$278,500
3 Beds ⋅ 2 Baths ⋅ 6876850 MLS ⋅ 1,035 SqFt.
Fresh, fun, and full of charm, this bright and inviting 3 bedroom townhome offers a layout that lives large! The first floor welcomes you with an open-concept living area that flows seamlessly into a crisp white kitchen, featuring granite countertops, stainless steel appliances, and plenty of cabinet space. One of the bathrooms is conveniently located on the main level, while all three bedrooms and an additional bath are tucked away upstairs for privacy. Outside, enjoy a spacious private patio, perfect for relaxing, entertaining, or creating your own desert garden oasis. The patio includes a separate laundry/storage room plus a shed for extra storage. Major upgrades include a 2021 AC unit, a newer water heater, and a whole-house water filtration system installed in 2024. Located in a..... pet-friendly community with lush green spaces, mature trees, scenic walking paths, a sparkling pool, and covered parkingall just minutes from ASU, shopping, dining, and public transit. A vibrant townhome opportunity waiting for your personal touch!

1032 E Redfield Road, Tempe
$423,000
2 Beds ⋅ 2 Baths ⋅ 6843601 MLS ⋅ 1,379 SqFt.
Welcome to easy living in the heart of Mountain Bridge -- East Mesa's premier gated community at the base of the Red Mountains. This single-level Villa-concept bungalow lives like a private retreat. SELLER CONSESSIONS OFFERED. Natural light pours through the open layout, no carpet anywhere. Thoughtful storage throughout, an owned water softener, and a soft water loop add everyday comfort and value. Step outside to a beautiful private back patio with no neighbors behind you, plus a private driveway and gated courtyard entry -- a rare combination of seclusion and connection. The kitchen features granite counters, a gas cooktop, reverse osmosis, and stainless appliances built for both quick meals and entertaining. The premium HOA does the heavy liftin roof, stucco, exterior paint, and front yard landscaping are all maintained for you, and a portion of mortgage insurance is even included. That means more weekends and fewer to-do lists. Resort-style amenities are just steps away. The Villa Members Club offers a year-round heated pool, spa, billiards and card room, and fitness center. Cross the bridge to the Owners Club for a sprawling resort-style pool, tennis and pickleball courts, a full-size fitness center, chipping and putting green, lit sport courts, and more. All of this sits minutes from the Loop 202 Red Mountain Freeway, Usery Mountain Regional Park, Salt River recreation, top-rated Mesa Unified schools, and the shopping and dining of East Mesa. Whether you're looking to right-size, simplify, or settle into a community designed around connection and recreation, this Villa is ready to welcome you home.

2041 N 88th Street, Mesa
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