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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

36016 N Desert Tea Drive, Queen Creek
$410,000
2 Beds ⋅ 2 Baths ⋅ 7067958 MLS ⋅ 1,321 SqFt.
Resort Collection living at its best. This upgraded Aria floorplan sits on a premium oversized homesite with no neighbor directly behind, so you get real privacy along with unobstructed Arizona sunset views that never get old. The garage got a recent epoxy floor upgrade, and a curated furniture package is included too, take a look at the documents tab for details on making this a true move in ready purchase. Step inside and the open concept design does its job well, natural light pours through the oversized windows and keeps the whole space feeling bright and open. New large plank LVP flooring runs throughout and pairs nicely with the refinished cabinetry, a generous kitchen island. And crown molding that ties the whole look together. Top down bottom up blinds give you flexibility on privacy and light control room by room. Out back, the yard is built for both entertaining and quiet evenings, especially with those desert sunsets as the backdrop. This homesite also sits just moments from both of Encanterra's clubhouses, putting resort style pools, pickleball and bocce courts, full service spa, fitness center, and multiple on site restaurants right at your doorstep for members and residents to enjoy. Encanterra is also home to a championship 18 hole golf course designed by Tom Lehman. Add in everything else the Resort Collection at Encanterra offers and this one is a rare combination of upgrades, setting, and turnkey convenience.

36016 N Desert Tea Drive, Queen Creek
2321 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067835 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2321 E Mcarthur Drive, Tempe
1255 N Arizona Avenue Unit 1339, Chandler
$465,000
3 Beds ⋅ 3 Baths ⋅ 7067670 MLS ⋅ 2,059 SqFt.
Welcome home to Tre Vicino in Chandler! This beautifully upgraded, turnkey 3-bedroom + den, 2.5-bath home offers over 2,000 sq ft of stylish, low-maintenance living and a 3-car tandem garage with EV charging station. The bright, open floor plan features 9-foot ceilings, tile flooring throughout the main level, and a stunning kitchen with quartz countertops, oversized island, walk-in pantry, and beautiful balcony views. Enjoy the inviting front courtyard with fully landscaped, low-maintenance synthetic lawn--perfect for relaxing or entertaining. Upstairs, the spacious primary suite features a walk-in custom closet, dual vanity, and oversized shower. Abundant custom storage throughout and a premium lot that opens to a beautiful common area. Enjoy the inviting front courtyard with fully landscaped, low-maintenance synthetic lawn--perfect for relaxing or entertaining. Upstairs, the spacious primary suite features a walk-in custom closet, dual vanity, and oversized shower. Abundant custom storage throughout and a premium lot that opens onto a beautiful common area enhance the thoughtful design and privacy of this exceptional home. Located within the desirable gated Tre Vicino community, residents enjoy two sparkling pools, bocce and game courts, parks, playgrounds, and scenic walking paths. Conveniently located near the 101, 60, and 202, you're just minutes from Downtown Chandler, exceptional dining, shopping, and entertainment, and approximately 25 minutes from Sky Harbor Airport and ASU's Tempe campus. Turnkey, low-maintenance, and truly lock-and-leave. This is Chandler living at its best!

1255 N Arizona Avenue Unit 1339, Chandler
2319 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067588 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2319 E Mcarthur Drive, Tempe
2317 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067556 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2317 E Mcarthur Drive, Tempe
2313 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067497 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2313 E Mcarthur Drive, Tempe
2341 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067425 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2341 E Mcarthur Drive, Tempe
2339 E Mcarthur Drive, Tempe
$350,000
3 Beds ⋅ 2 Baths ⋅ 7067365 MLS ⋅ 1,450 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2339 E Mcarthur Drive, Tempe
2333 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067190 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2333 E Mcarthur Drive, Tempe
2024 S Baldwin -- Unit 93, Mesa
$283,000
2 Beds ⋅ 3 Baths ⋅ 7066379 MLS ⋅ 1,148 SqFt.
Welcome home to Tivoli at Augusta Ranch, where low-maintenance living meets one of Mesa's most convenient locations! This inviting 2-bedroom, 2.5-bath townhome offers approximately 1,148 sq ft of comfortable living space plus a 1-car garage. The functional two-story layout gives you plenty of room to spread out, with both bedrooms offering their own space upstairs and a convenient half bath for guests on the main level. Whether you're looking for a full-time home, lock-and-leave Arizona retreat, or simply a place that lets you spend less time on maintenance and more time enjoying where you live, this one checks the boxes. Located in the desirable Augusta Ranch area with easy access to shopping, dining, recreation and major East Valley routes.

2024 S Baldwin -- Unit 93, Mesa
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