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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

$449,000
3 Beds ⋅ 3 Baths ⋅ 7060305 MLS ⋅ 1,380 SqFt.
Welcome to this beautifully appointed 3-bedroom, 2.5-bath corner-end unit located in a gated community in one of Tempe's most desirable locations. Offering the perfect combination of style, comfort, and convenience, this home is ideal for both owner-occupants and investors alike. Step inside to discover soaring ceilings, abundant natural light, and an open-concept great room enhanced by recessed lighting. The thoughtfully designed kitchen features stainless steel appliances, a spacious dining area, and a large island with bar seating--perfect for entertaining or casual everyday living. A convenient powder room completes the main level. Upstairs, you'll find a private primary suite, two generously sized guest bedrooms, a full secondary bathroom, and an upstairs laundry room for added convenience. Enjoy one of the larger outdoor spaces in the community with a spacious backyard that's perfect for pets, entertaining, or creating your own outdoor retreat. A private two-car garage adds even more functionality. Residents enjoy exceptional community amenities, including an Olympic-size swimming pool, heated spa, BBQ area, and a dedicated dog park. Location is everything, and this home delivers. Just minutes from Sloan Park, home of the Chicago Cubs Spring Training, Tempe Marketplace, Mesa Riverview, and Arizona State University, you'll have easy access to premier shopping, dining, entertainment, and recreation. With quick access to major freeways and close proximity to ASU, this property also presents an outstanding opportunity for investors seeking strong rental demand from students and professionals alike. Whether you're searching for your next home or a smart investment in the heart of the Valley, this exceptional Tempe condo offers the lifestyle, location, and value you've been waiting for.

280 S Evergreen Road Unit 1368, Tempe
$265,000
2 Beds ⋅ 3 Baths ⋅ 7060296 MLS ⋅ 1,161 SqFt.
HUGE PRICE IMPROVEMENT! This two-story condo is full of character and truly move-in ready. Upstairs you will find two spacious bedrooms, each with its own walk-in closet and full bathroom, so everyone gets their own space and privacy. Downstairs, the living area has personality to spare with unique wall cutouts and a cute half bath! Recent updates include wood-look flooring, fresh white paint throughout, updated bathrooms, and stainless steel appliances in the kitchen. This home shows in amazing condition from top to bottom. Out front, a charming porch entry welcomes you home, but the back patio is where you will want to spend most of your time. It has been refreshed with new turf and a cozy seating area that is perfect for morning coffee or an afternoon iced tea. There are no neighbors There are no neighbors directly behind you. Complex also has a community pool. This one shows even better in person than it does in photos. Come see it for yourself.

220 N 22nd Place Unit 1071, Mesa
$324,900
2 Beds ⋅ 3 Baths ⋅ 7060277 MLS ⋅ 1,152 SqFt.
This exceptional 2-bedroom, 2.5-bathroom two-story townhouse condo is in pristine, move-in ready condition, offering a low-maintenance and functional multi-level layout. The main living space features a practical kitchen equipped with appliances providing a clean and reliable setup for all your daily culinary needs. Designed with comfort in mind, the private sleeping quarters upstairs feature plush carpeting in the bedrooms to ensure warmth and noise reduction underfoot, along with the convenience of a half-bath on the main floor for guests. Spotlessly prepared and meticulously maintained throughout, this turnkey property is completely ready for a stress-free transition into a cozy and effortless lifestyle.

860 N Mcqueen Road Unit 1119, Chandler
$400,000
3 Beds ⋅ 2 Baths ⋅ 7060272 MLS ⋅ 1,314 SqFt.
Well maintained cared for spacious two bedrooms upstairs one on the main level Living area has vaulted ceiling and wood burning fireplace Flooring is in excellent condition carpet on stairwell and upstairs bedrooms Garage is deep comfortable for any vehicle Private yard backs to common wash area

338 E Larkspur Lane, Tempe
$360,000
4 Beds ⋅ 3 Baths ⋅ 7060233 MLS ⋅ 1,963 SqFt.
Welcome to this move-in-ready 3-bedroom, 2.5-bath tri-level townhome in the gated Lake Park community of Dobson Ranch, one of Mesa's most sought-after neighborhoods. Ideally situated with golf course VIEWS and directly across from the community pool, this beautifully maintained home offers fresh interior paint, newer windows, new stainless steel appliances, a water softener, and durable hard-surface flooring throughout. The main living level features an open living and dining space, an inviting kitchen, guest bath, and a private balcony overlooking the Dobson Ranch Golf Course. Upstairs, the spacious primary suite is joined by two generously sized secondary bedrooms and a full guest bath, while the lower level provides a flexible bonus room perfect for a home office, media room, fitness studio, guest suite, or second living area with walkout access to a private patio and grassy yard. An oversized laundry room offers additional storage and potential to add another bathroom. Additional highlights include a gated front courtyard, detached one-car garage with storage, and access to Dobson Ranch's renowned amenities including lakes, walking and biking paths, community pool, dog park, golf, and beautifully maintained common areas. Conveniently located near US-60, Loop 101, shopping, restaurants, parks, and entertainment, this home offers the perfect combination of low-maintenance living, flexible space, and an exceptional Mesa lifestyle.

2524 S El Paradiso Drive Unit 40, Mesa
$340,000
3 Beds ⋅ 3 Baths ⋅ 7060183 MLS ⋅ 1,566 SqFt.
Recently updated and move-in ready home located in a gated community with no carpet. This 3-bedroom, 2.5-bath townhome offers the perfect blend of style, comfort, and convenience. Fresh interior paint and new tile flooring throughout the downstairs and all bathrooms creates a clean, modern feel in this open floorplan. Upstairs, the primary suite is a true retreat, featuring two walk-in closets and a private balcony. Each secondary bedroom also includes its own walk-in closet, providing exceptional storage. Convenient upstairs laundry room, attached 2-car garage, and private courtyard just outside the front door. This desirable gated community offers residents access to a sparkling community pool and relaxing spa, offering resort-style amenities just steps from home. GO AND SHOW

6710 E University Drive Unit 124, Mesa
$489,000
3 Beds ⋅ 3 Baths ⋅ 7060128 MLS ⋅ 1,456 SqFt.
LOCATION! PRICE IMPROVEMENT! This stunning property in PRISTINE CONDITIONS offers a blend of convenience and LUXURY. Located in Treviso at Echelon, coveted resort-style gated neighborhood in the Ocotillo Masterplan Community. Stepping into the door you'll get a new-build feel. Designed for effortless living, this SMART home features 3 bedrooms, 2.5 bathrooms, spacious living room, and highly upgraded gourmet kitchen. SONOMA Maple Linen cabinets, QUARTZ countertops, stainless steel appliances, gas range. Upgraded Super Luxury floor. Pre-wired for internet connections. RING door alarm system. Separate laundry room upstairs with washer/dryer included. Tankless water heater. Water softener system. 2-car garage with private driveway. Private Front courtyard for additional enjoyment of Arizona

4077 S Sabrina Drive Unit 30, Chandler
$299,000
3 Beds ⋅ 2 Baths ⋅ 7059964 MLS ⋅ 1,408 SqFt.
Fully remodeled 3-bedroom townhome 2.7 miles from ASU - rare in Tempe under $300,000 and an easy fit for an owner-occupant or investor. The 2020 renovation covered the kitchen, baths, and flooring, and the big-ticket items are done: new roof, Pella windows, and water heater in 2025, HVAC in 2019, appliances 2019 or newer. Ring system, new security door, indoor laundry, walk-in closet, storage shed, and 2 assigned covered carport spaces. One of the best positions in Tempe Gardens, opening to expansive grassy common area. The HOA covers exterior maintenance and roofing, plus community pool, playground, and clubhouse. From Mill Ave you're roughly 8 minutes to Arizona State University, minutes from 125-acre Kiwanis Park, and close to the 60, 101, and 10. Live in it, hold it, or rent it out.

5029 S Mill Avenue, Tempe
$369,900
2 Beds ⋅ 2 Baths ⋅ 7059857 MLS ⋅ 1,184 SqFt.
Welcome to this beautifully refreshed 2-bedroom, 2-bathroom home in the desirable Villagio at Tempe community. Recent improvements include all-new flooring, fresh interior paint throughout, and an updated primary bathroom, creating a clean and move-in-ready space. The open great-room floor plan features a spacious kitchen and comfortable living area with direct access to a private patio overlooking the community's main pool and expansive grassy area. Both bedrooms include generous walk-in closets, and the home also offers convenient inside laundry. Ideally located near the Loop 101 and 202 freeways, ASU and Tempe Marketplace. This well-maintained property combines comfortable living, attractive community amenities, and highly convenient Tempe location.

2402 E 5th Street Unit 1561, Tempe
$315,000
2 Beds ⋅ 2 Baths ⋅ 7059809 MLS ⋅ 1,509 SqFt.
Beautiful condo nestled in the prestigious Bridges at Ocotillo community offers exclusive access to amenities including tennis & pickleball courts, heated pool & spa, clubhouse, & workout room. High ceilings, loads of NATURAL LIGHT, abundant windows, sunny balcony with open views, & open floor plan create an inviting atmosphere. Two primary bedrooms with en suite baths & attached 2-car garage, ensures comfort & privacy. Near downtown Ocotillo & a short drive to downtown Chandler, you'll enjoy a vibrant social scene, art walks, dining, & shopping. This low-maintenance gated community is the perfect lock-&-leave experience. Go see your new home today!

705 W Queen Creek Road Unit 2192, Chandler
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