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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

1406 W Emerald Avenue Unit 118, Mesa
$240,000
2 Beds ⋅ 2 Baths ⋅ 6970841 MLS ⋅ 908 SqFt.
This beautiful home is priced to sell!! This charming 2 bedroom, 2 bath home with garage and separate parking space is in the perfect location! This is a perfect opportunity for first time buyers, investors, or retirees! Near MCC, ASU, and Banner Desert Medical Center. The home has vaulted ceilings, new carpet and paint throughout, stainless steel appliances, updated kitchen cabinets, and an updated master bathroom. This home is bright and welcoming with plenty of natural light provided through large windows with a pool view and multiple skylights. Updates include water heater 2018, and guest bathroom, 2018. This lovely community has 2 sparkling pools, parks with barbecue gazebos and is located near freeway access, shopping, parks, and restaurants. Don't let your buyers miss this one!

1406 W Emerald Avenue Unit 118, Mesa
42057 W Miller Lane, Maricopa
$270,000
2 Beds ⋅ 2 Baths ⋅ 6969427 MLS ⋅ 1,722 SqFt.
Cared for Bright pleasant home NEW A/C unit in 2023, top of the Line . granite counter tops. New Hot Water tank . Daffodil model w/den or office & could be a 3rd bdrm. Nice size 6098 sq ft corner lot with important N/S exposure. Bay windows in dining nook & master bdrm add space & sunlight. Many Upgrades thru out 18'' floor tile, carpet, raised panel oak cabinetry. Upgraded entry door w/deco glass. Enjoy the large covered patio. This gated/guarded active-adult community has 5 miles of walking paths, , pickleball, bocce ball, tennis. A 32,000 sq ft resort style clubhouse is equipped with workout room, ceramics, painting, quilting, media room, indoor/outdoor heated pools & spas, indoor & outdoor pools & spas, many clubs & activities: dancing, cards, and much more

42057 W Miller Lane, Maricopa
2129 E Kirkland Lane Unit 1, Tempe
$329,900
3 Beds ⋅ 2 Baths ⋅ 6969333 MLS ⋅ 1,036 SqFt.
Available for immediate move-in, updated single-level 3-bedroom, 2-bath townhome in the sought-after University Ranch community. Open floor plan with a bright living area, a spacious kitchen with walk-in pantry, and a private patio perfect for relaxing or entertaining. The primary suite includes a spacious closet and en-suite bath. Enjoy the convenience of an interior laundry area and assigned parking. Located near ASU, Tempe Marketplace, and Sloan Park--home of Cubs spring training--this home offers easy access to shopping, dining, and major freeways. The well-kept HOA community includes a pool and allows rentals, making this a great option for both personal use and investment.

2129 E Kirkland Lane Unit 1, Tempe
25 N Cottonwood Street Unit 47, Chandler
$279,000
2 Beds ⋅ 2 Baths ⋅ 6966927 MLS ⋅ 831 SqFt.
Welcome to this charming townhome in the heart of Chandler! Located in a quiet, well-maintained community, this 2-bedroom, 2-bath home offers the perfect blend of comfort and convenience. Step into a bright and airy living space with modern flooring and a neutral palette that complements any style. The kitchen features updated cabinetry, granite countertops, and stainless steel appliancesâ”perfect for cooking and entertaining. You'll find two generously sized bedrooms and a full bath. Enjoy Arizona living year-round with your private patio space, ideal for morning coffee or weekend BBQs. The community offers lush green spaces, a sparkling pool, and is just minutes from Downtown Chandler's shopping, dining, and nightlife. Whether you're a first-time homebuyer, investor,

25 N Cottonwood Street Unit 47, Chandler
1527 S River Drive, Tempe
$399,000
2 Beds ⋅ 2 Baths ⋅ 6960956 MLS ⋅ 1,080 SqFt.
Welcome to 1527 S River Dr. in the heart of Tempe. The property features a spacious backyard with plenty of room to entertain, relax or personalize to your liking. The roof was redone this year, providing added value and peace of mind. The garage offers great potential and is perfect for a man cave, hobby space or home gym. Conveniently located near shopping, dining and ASU, this home presents an excellent opportunity for homeowners or investors looking to be close to it all.

1527 S River Drive, Tempe
2101 S Yellow Wood -- Unit 71, Mesa
$350,000
2 Beds ⋅ 2 Baths ⋅ 6955627 MLS ⋅ 1,371 SqFt.
Welcome to effortless living in this beautifully maintained 2-bedroom, 2-bath home with a 2-car garage, perfectly situated in one of the area's premier adult lifestyle communities. Thoughtfully updated and move-in ready, this residence blends comfort, style, and low-maintenance living. The heart of the home is an impressive chef-inspired kitchen, featuring granite countertops, a large custom island, stainless steel appliances, and elegant shutter blinds filtering in natural light throughout. The spacious primary suite and inviting guest bedroom offer ideal retreats, while the **laundry roomwith extra shelving**keeps everyday tasks organized and convenient. A Nuvo H2O reverse-osmosis system add peace of mind. Enjoy morning coffee or sunset cocktails on the covered patio, complete with retractable sun shades for year-round comfort. The garage is fully equipped with cabinetry, providing excellent storage. But the lifestyle doesn't stop at your doorstepthis community is truly exceptional. Residents enjoy access to a 13,000 sq. ft. recreation center, featuring a grand ballroom, library, card room, billiards, and a full lineup of clubs and activities. Outdoors, you'll find two pools, six tennis courts, pickleball, bocce, shuffleboard, horseshoes, a softball field, and courts for basketball and volleyball. Nature lovers will appreciate the walking and biking trails, pet owners will love the dog park, and RV enthusiasts can take advantage of the dedicated parking and storage.

2101 S Yellow Wood -- Unit 71, Mesa
1342 W Emerald Avenue Unit 236, Mesa
$275,000
2 Beds ⋅ 2 Baths ⋅ 6929566 MLS ⋅ 1,038 SqFt.
Welcome to this charming two-story townhome located in the desirable Villas Mesa II community! This well-maintained home features an inviting private courtyard with low-maintenance synthetic grass. The main level offers an open floor plan with neutral paint, a half bath, and a stylish kitchen complete with stainless steel appliances, white cabinetry, and a breakfast bar. Upstairs includes two spacious bedrooms and a full bathroom with updated lighting. Enjoy the convenience of being centrally located in Mesa's revitalized Fiesta District, just minutes from shopping, dining, and Sloan Park--perfect for Spring Training fans. Community amenities include a pool and spa for year-round relaxation.

1342 W Emerald Avenue Unit 236, Mesa
6512 S Mcallister Avenue, Tempe
$296,000
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
943 E Cobble Stone Drive, Queen Creek
$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
5370 S Desert Dawn Drive Unit 57, Gold Canyon
$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
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