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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!

Questions or need help to get started with the mortgage process?
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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

$274,900
2 Beds ⋅ 2 Baths ⋅ 7055161 MLS ⋅ 1,104 SqFt.
Move-in ready and beautifully refreshed, this townhome offers an ideal combination of comfort, convenience, and low-maintenance living. Perfectly located near the Loop 202, US-60, and the light rail, you'll enjoy quick access to ASU, Sky Harbor Airport, Tempe Town Lake, and an abundance of shopping, dining, and entertainment. This home offers an open living area with separate dining. The spacious primary suite features a walk-in shower. The home is vacant, allowing for a quick and flexible move-in. Enjoy added peace of mind knowing the HOA takes care of exterior maintenance and landscaping, so you can spend less time on upkeep and more time enjoying your home. This welcoming all-ages community offers amenities designed for both relaxation and connection, including multiple gathering areas, a sparkling pool and spa, and a dedicated dog park for your furry companion. Whether you're looking for an easy commute, an active lifestyle, or a lock-and-leave home, this townhome checks all the boxes.

2929 E Broadway Road Unit 85, Mesa
$399,000
4 Beds ⋅ 2 Baths ⋅ 7055156 MLS ⋅ 1,678 SqFt.
4B/2Bath Townhouse - 10 minute drive to ASU!! Remodeled modern, bright kitchen w/Quartz countertops & SS appliances. Kitchen has built-in desk & large breakfast nook over-looking beautiful gated front courtyard. Large living room (one-step down) w/brick, wood burning fireplace. Large, separate dining room open to LR & kitchen (DR could be made into office in the future). Primary suite includes walk-in closet & bathroom w/2 sinks & great storage. Blinds in all bedrooms. Easy maintenance yards include automated watering systems & turf in the backyard. Attached 2 car garage has storage cabinets & laundry. Bonus room off of garage has storage and can be used for a workshop and projects. Solid block construction for more efficient cooling, heating and noise reduction. ***SEE MORE Backyard is private, with high, block walls and shaded patio. Clubhouse has a pool. Easy lock & leave home in a neighborhood that has Southwest charm. Great for a college student or first-time buyer. Close to shopping, restaurants, freeways and hospitals. 3 year roof warranty. **Property CANNOT be rented out and one resident must be on the deed per the HOA.** Flooring is grey ceramic tile, vinyl plank wood and carpet.

312 W Laguna Drive, Tempe
$289,900
2 Beds ⋅ 2 Baths ⋅ 7054863 MLS ⋅ 870 SqFt.
Beautifully Remodeled 2BR Gem in the Heart of Chandler! Welcome to 1600 N. Saba #164 a stylishly updated 2 bedroom, 1.5 bath home offering modern comfort and low-maintenance living in one of Chandler's most convenient locations. Step inside to durable tile flooring throughout the main living areas and plush new carpet in the bedrooms. The kitchen shines with gorgeous stone countertops, stainless steel appliances, and a tile backsplash that ties the whole space together. The primary bath features a stunning walk in tiled shower for a spa-like feel every day. Beyond the unit, residents enjoy access to a community pool perfect for beating the Arizona heat. Situated close to major freeways, shopping, dining, and top Chandler schools, this home puts everything you need within easy reach

1600 N Saba Street Unit 164, Chandler
$345,000
3 Beds ⋅ 3 Baths ⋅ 7054797 MLS ⋅ 1,449 SqFt.
Move in ready Mesa AZ townhome in the desirable Muirfield community just steps from the community pool! This beautifully updated home features new wood look tile flooring throughout the first floor, new interior paint throughout, a new HVAC system, new water heater, new window blinds throughout, a new garage door spring, and all appliances included. Enjoy low maintenance living with easy access to US 60, shopping, dining, golf, parks, and entertainment. Perfect for first time home buyers, those looking for a lock and leave Arizona home, a winter retreat, or an investment property. Don't miss this opportunity to own an updated Mesa home for sale in a prime East Valley location!

1255 S Rialto -- Unit 165, Mesa
$229,000
2 Beds ⋅ 2 Baths ⋅ 7054780 MLS ⋅ 1,037 SqFt.
Fantastic opportunity in the heart of Tempe! Want a rental near ASU, or a home to personalize to your own taste this property offers incredible potential. Featuring a newer A/C system 2023, this home is ready for your vision and updates and is priced to sell accordingly. Located just minutes from Arizona State University, Tempe Marketplace, major freeways, shopping, dining, and Sky Harbor Airport, you'll love the convenience and strong rental demand this area offers. Don't miss this chance.

827 S Hacienda Drive, Tempe
$204,900
2 Beds ⋅ 2 Baths ⋅ 7054778 MLS ⋅ 890 SqFt.
Charming 2-bedroom, 2-bathroom townhome in well situated community with well maintained grounds and inviting community pool and single car garage. Inside, the home has updated flooring and appliances along with a stacked washer and dryer. Relax on the deck outside the upstairs bedroom or in the hot tub by the pool just steps away from the front door. A good opportunity for either an owner occupant or investor.

3716 E University Drive Unit 2010, Mesa
$200,000
1 Beds ⋅ 1 Baths ⋅ 7054346 MLS ⋅ 672 SqFt.
At this price, most buyers assume there's a catch. Then they step onto the patio. Fairway greens out front, mountain views beyond, and the catch everyone was bracing for never shows up. This furnished, move-in-ready 1-bedroom in Felicia at Golden Hills Fairway lives far larger than its size. Two private patios add real outdoor living space, vaulted ceilings & natural light open up the interior, and an end-unit location with just one shared wall keeps it quiet. Inside you'll find granite counters, reverse osmosis & a newer 2025 HVAC, so comfort is already handled. Here's the part that seals it: the $325/mo HOA covers water, trash, pest control, exterior upkeep, front-yard care and even roof repair & replacement. Owners also get a free on-site laundry room, and no, it's not 55+. Golf-course living with true lock-and-leave ease, minutes from the US-60 at Power & Southern. The only question is... which patio will you claim first?

649 S Power Road Unit 373, Mesa
$330,000
2 Beds ⋅ 3 Baths ⋅ 7054300 MLS ⋅ 1,152 SqFt.
New kitchen and bath cabinets, interior doors, baseboards, electric receptacles and switches, ceiling fans, smoke detectors, lights, top tier carpet and pad, electric water heater, sinks, faucets, water shutoff valves and hoses. Porcelain tile. Granite counter tops. Brand new air conditioning 4 ton split heat pump system.

860 N Mcqueen Road Unit 1164, Chandler
$350,000
2 Beds ⋅ 2 Baths ⋅ 7054155 MLS ⋅ 1,596 SqFt.
Welcome home to this great one story split floorplan 2 bedroom, 2 bathroom home with a den located in a private gated community. This home was updated with granite countertops and new kitchen sink in 2024, a new HVAC system in 12/24 and a new roof in 6/2025. This home has a great size master bedroom with ensuite bathroom that features a tub/shower combo, a walk in closet, double vanity and a water closet. The second bedroom is also a great size and is located right next to the hallway bathroom. Also featuring a 2 car garage, this home is ready for immediate move in. HOA: The HOA is managed by Metro Property Services and the community manager is Tracy Scoffield and her contact information is: (480) 967-7182 x 104 if you have any additional questions. The HOA features a community pool that is heated to 82, a spa that is heated to 104 in the winter time and they cover the following: Exterior maintenance, common area maintenance, roof repairs and replacement, monthly general pest and spot termite treatment and exterior painting when needed. If the home needs painting in between, that would be the owner's responsibility. The HOA does not cover any water, sewer or garbage. Home Features: This home features no interior steps, an attached 2 car garage with direct access into the home, a new roof was installed in 6/25, new granite countertops, kitchen sink and new HVAC system in 2024. The property is located off of Power Road and Brown road and is minutes from the 202 freeway, Red Mountain High School, Freemont Jr High School, parks, a variety of restaurants to eat, Golf Resorts, multiple bus stops and more.

6720 E Encanto Street Unit 69, Mesa
$333,000
2 Beds ⋅ 2 Baths ⋅ 7054079 MLS ⋅ 1,510 SqFt.
Charming end-unit in Park Riviera -- one of the largest 2BR/2BA in the complex! Split-floorplan layout features a spacious living room, galley kitchen with eat-in dining, and sliding door to a private patio. Inside W/D off the kitchen. Oversized master with vanity and walk-in closet. Brand-new roof, AC is less than 5 years old and newer kitchen appliances. Steps to Sprouts and neighborhood dining. Minutes to ASU, Sky Harbor, MCC, Freeways, Light rail and bus stops.

1633 E Southern Avenue, Tempe
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