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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!

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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

$289,900
2 Beds ⋅ 2 Baths ⋅ 7069516 MLS ⋅ 1,104 SqFt.
Charming two-story, 2-bedroom home in a fantastic North Tempe location! Enjoy easy access to ASU, Tempe Town Lake, Papago Park, Phoenix Zoo, Desert Botanical Garden, Mill Avenue, shopping, dining and nightlife. Convenient access to Loop 202 makes Downtown Phoenix, Sky Harbor Airport, Chase Field and PHX Arena just minutes away. Inside, enjoy granite countertops, tile flooring on the main level and wood-look laminate flooring upstairs. The two-story layout provides nice separation between living and bedroom spaces. A wonderful opportunity for low-maintenance living near some of Tempe and Phoenix's best recreation, entertainment and attractions. Contact to make appointment to tour property.

604 E Weber Drive Unit 16, Tempe
$465,000
3 Beds ⋅ 3 Baths ⋅ 7069430 MLS ⋅ 1,735 SqFt.
Welcome to this immaculate, updated beautiful home in Gilbert's highly sought-after Spectrum subdivision! From the moment you step inside, you will notice the tasteful, neutral design and beautiful tile flooring that flows seamlessly throughout the entire home.The heart of the home features a spectacular open floorplan where a light and bright kitchen opens directly into the spacious gathering area. Culinary enthusiasts will love the gorgeous quartz countertops, stainless steel appliances, and a massive walk-in pantry with abundant storage. Upstairs is an open loft for office or sitting area! Both the kitchen and bathrooms have been completely refreshed with modern, premium finishes.This property offers true peace of mind with quality post-tension construction, roof replaced in 2025, a 2019 HVAC system, a newer gas water heater, a soft water system, and a few new windows installed a few years ago. Outside, enjoy an ultra-low-maintenance backyard featuring new artificial turf. Because the HOA completely maintains the front yard, you will have plenty of free time to relax and take advantage of everything this vibrant community has to offer. The neighborhood features a sparkling community pool, tennis courts, multiple parks, open green spaces, and community ramadas.Perfectly situated near the absolute best of Gilbert, you are just minutes away from premier shopping, excellent dining, and convenient freeway access. Move-in ready and beautifully maintained, this exceptional home is just waiting for its lucky new buyer!

1393 E Joseph Way, Gilbert
$225,000
2 Beds ⋅ 1 Baths ⋅ 7069402 MLS ⋅ 918 SqFt.
Welcome to this clean and inviting 2-bedroom, 1-bath townhome tucked away toward the quiet rear of the community, just steps from convenient parking and the sparkling community pool. The home features fresh interior paint, new carpet, vinyl flooring, and modern finishes throughout. The kitchen is equipped with stainless steel appliances and opens to a spacious dining and family room, creating a comfortable layout for everyday living and entertaining. Upstairs, you'll find two well-sized bedrooms and a full bathroom with a tub/shower combination. The private patio offers plenty of space to relax and enjoy Arizona's beautiful weather and features low-maintenance artificial turf. The enclosed laundry and utility room is conveniently located off the patio. Ideally situated near major freeways, shopping, dining, Mesa Community College, Banner Desert Medical Center, and more, this townhome offers a great combination of comfort, convenience, and low-maintenance living.

948 S Alma School Road Unit 154, Mesa
$235,000
2 Beds ⋅ 2 Baths ⋅ 7069400 MLS ⋅ 900 SqFt.
Pride of ownership shines in this turn-key, single-story townhome! Move-in ready with new cabinetry, countertops, and appliances, paint throughout plus new flooring and fresh baseboards throughout. This 2-bed, 2-bath end unit offers inside laundry, private storage, and 2 assigned parking spaces. Minutes to Downtown Mesa, ASU, dining, light rail, and easy highway access!

141 N Date Street Unit 20, Mesa
$280,000
2 Beds ⋅ 2 Baths ⋅ 7069391 MLS ⋅ 831 SqFt.
Ready to love where you live? This move-in-ready dual-suite condo checks all the boxes! Enjoy wood-look tile, plush carpet, neutral paint & modern fixtures throughout. The refreshed kitchen shines with new white shaker cabinetry, quartz counters & stainless-steel appliances. Both bathrooms feature new vanities & toilets for a fresh, modern feel. Relax poolside or unwind in the community spa, with water, sewer, trash & exterior maintenance covered by the HOA. Plus, a 1-car carport and a prime location just minutes from Downtown Chandler make this one a must-see!

25 N Cottonwood Street Unit 63, Chandler
$420,000
2 Beds ⋅ 3 Baths ⋅ 7069302 MLS ⋅ 1,476 SqFt.
Welcome to The Lakes at Annecy, a gated lake community offering resort-style living just minutes from every day conveniences. Built in 2021 and beautifully maintained over the years, this 2-bedroom, 2.5 bathroom townhouse blends modern design with easy, everyday comfort across three thoughtfully laid-out levels. Recent updates, including a water softener (2023), add to the ease of everyday living. The first level welcomes you home with a private front patio and access to the 2-car tandem garage, complete with epoxy flooring. Upstairs on the second level, an open living space is anchored by a modern kitchen featuring white shaker cabinetry, stainless steel appliances, a breakfast bar, a spacious island, and a gorgeous tile backsplash, plus a balcony for a breath of fresh air. The third level is home to the primary bedroom and guest suite/home office, each offering their own private retreat. The primary suite features an en-suite bathroom with dual vanities, a newly updated tile shower (January 2026), and a spacious closet, while the guest suite, complete with its own en-suite bathroom, flexes beautifully as a home office, guest quarters, or bonus space. Third-level laundry adds everyday convenience. Beyond your home, this gated community offers a sparkling pool and spa, biking and walking paths, and a children's playground, all set within a picturesque lake community. Conveniently located near shopping, dining, and medical offices, with quick access to Loop 202 south for an easy commute to the rest of the Valley!

1676 E Hampton Lane, Gilbert
$490,000
3 Beds ⋅ 2 Baths ⋅ 7069295 MLS ⋅ 1,611 SqFt.
Step into easy, elevated living at Mosaic at Layton Lakes. This GATED 3-bedroom, 2-bath residence offers a 2-car garage, a beautifully finished interior, and an ideal Gilbert location. The two-story layout is designed with both comfort and entertaining in mind, featuring an open main living area, stylish finishes, and abundant natural flow throughout. At the heart of the home, the kitchen combines function and style with quartz countertops, 42-inch cabinetry, stainless steel appliances, a large center island, and plenty of storage. The luxury vinyl plank flooring gives the home a fresh, modern feel. Upstairs, the spacious primary retreat includes a walk-in closet, dual vanities, and a walk-in shower. Life here is designed to be convenient. The HOA includes water, gas, and trash, while the community offers an impressive lineup of amenities including a resort-style pool and spa, splash pads, playgrounds, tennis courts, and miles of walking and biking paths. Layton Lakes also provides an abundance of green space, neighborhood parks, lakes, trails, basketball court, sand volleyball, baseball field, and other recreational areas to enjoy. With shopping, restaurants, entertainment, and top-rated schools close by, the location is hard to beat. Carefully maintained and truly move-in ready, this home offers a low-maintenance lifestyle with the polished look of a newer property. Whether you're looking for your first home, a lock-and-leave property, or a smart investment, this one deserves a closer look.

733 E Lark Street Unit 202, Gilbert
$424,500
2 Beds ⋅ 3 Baths ⋅ 7069256 MLS ⋅ 1,297 SqFt.
Don't miss this beautifully updated, move-in-ready home in a DESIRABLE gated Chandler community! Step inside to a bright, OPEN floorplan filled w/ natural light. NEW custom shutters offer style & flexibility, allowing the upper third to remain open for light while the lower portion stays closed for privacy. The kitchen offers PLENTY of storage, SS appliances, soft water system & walk-in pantry. Upstairs, a VERSATILE loft is perfect for a home office or lounge, along w/ two SPACIOUS bedrooms. The primary suite features a BEAUTIFULLY updated bath & walk-in closet. Outside, enjoy a LARGE patio overlooking a greenbelt, recently re-packed & coated for a refreshed finish & shaded much of the afternoon. The 2-CAR GARAGE features NEW epoxy flooring & AMPLE overhead storage. HVAC installed 2022 & the roof is maintained by the HOA. For the ultimate move-in-ready experience, this home offers the rare opportunity to be purchased FULLY FURNISHED! Beautifully maintained, thoughtfully updated, and ready to enjoy from day one - this Chandler home is ready to welcome its next owner.

4100 S Pinelake Way Unit 104, Chandler
$435,000
2 Beds ⋅ 2 Baths ⋅ 7069236 MLS ⋅ 1,633 SqFt.
Welcome to this impeccably maintained, upgraded villa located in the highly desirable, gated golf community of Tuscany Villas at Painted Mountain Golf Resort. Villa is an end unit featuring an oversized, south-facing backyard & a private, gated courtyard entry. Inside, an open floor plan awaits, showcasing a gourmet kitchen with granite countertops, a generous island, modern chalk appliances & custom cabinetry with pull-out drawers. Both an informal dining area & a formal dining room provide versatile spaces for hosting. The spacious great room, accented by large windows and elegant tile flooring, offers abundant natural light. The master retreat boasts a walk-in closet, a luxurious soaking tub, and a walk-in shower, while the second bedroom is private with full bathroom. This home features its own private driveway and an extended two-car garage complete with built-in cabinetry for added storage. The backyard is beautifully landscaped, offering a peaceful setting for relaxation or entertaining. Enjoy added comfort with an electric retractable awning for sun protection and an extended patio perfect for outdoor living. The HOA provides additional amenities for a worry-free lifestyle.Tuscany Villas offers residents exclusive access to a luxurious clubhouse and a variety of exceptional amenities designed for leisure and recreation. Enjoy refreshing dips in the pools, unwind at the spa, or maintain an active lifestyle in the state-of-the-art fitness center. Engage in friendly competition on the pickleball courts or challenge friends to a game of pool. The community also features beautifully landscaped parks and playgrounds, inviting gathering spaces, and scenic walking paths, ensuring a vibrant and active lifestyle for all residents.

6202 E Mckellips Road Unit 189, Mesa
$355,000
3 Beds ⋅ 3 Baths ⋅ 7069181 MLS ⋅ 1,535 SqFt.
Welcome to Breckenridge, one of Gilbert's most charming and well maintained communities nestled just minutes from the heart of a rapidly growing downtown. This beautifully updated 1,535 square feet corner unit home with 3 bedrooms and 3 bathrooms blends modern upgrades with timeless character, creating a warm and inviting space that feels both fresh and classic. Featuring vaulted ceilings, brand new appliances, and thoughtful renovations throughout, this home is truly move-in ready for its next owners while still preserving a timeless charm that makes it so special. With downtown Gilbert continuing to thrive with new restaurants, shops, and entertainment, the location could not be more ideal. Come and see it for yourself!

170 E Guadalupe Road Unit 136, Gilbert
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