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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?
Call/text us at (480) 442-2502 or click the LIVE CHAT below.

HOME IN FIVE ADVANTAGE

If you are buying a house in Maricopa County and you need help with your down payment and closing costs, you should consider the Home In Five Advantage program. This program has been very popular and used by home buyers in Phoenix and other parts of Maricopa County for more than six years.

Simply put, this is a great down payment assistance program.

Program Highlights:

  • Assistance for down payment and/or closing offered between 3 and 5%. An additional 1% is available to 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.
  • The Home in Five assistance money received is a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership. The lien is completely forgiven after you stay in the home for three years without refinancing. The purpose of the silent second is to provide stability and ensure the ongoing success of the Home in Five down payment assistance program in Arizona.
  • 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 with no limit to purchase price outside of guidelines for the mortgage program you choose.
  • New or existing single family homes, 2 to 4 unit homes, condos, and town homes.
  • Qualify for a FHA, VA or USDA loan with a maximum debt-to-income ratio of 50%.
  • Minimum FICO score is 640.
  • Income from all borrowers may not exceed $105,000.
  • Take a convenient homebuyer education course.

Which of the Arizona Mortgage Programs is Best for You?

Below you will find links to information for low down Arizona mortgage programs that work best with down payment assistance programs.

FHA Home Loans

FHA home 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.

VA Home Loans

VA home loans are a popular option for those who served. They are guaranteed by federal government through the Veterans Benefits Administration. Arizona VA mortgages help meet the housing needs of eligible veterans and have some of the best benefits of any mortgage program.

USDA Home Loans

USDA loans are offered through a government loan program that is designed to help potential low- to moderate-income homeowners in rural communities. This includes the outskirts of some of Arizona’s larger cities where many of the most affordable homes are located.

Conventional Home Loans

A conventional loan is any mortgage loan that is not insured by any government agency (i.e. FHA, VA or USDA). Today, conventional loans are written to the guidelines set by Fannie Mae or Freddie Mac.

Arizona Mortgage Company

Working with an Arizona mortgage company can save you money and give you peace of mind.

When financing a new home, knowing which is the right loan program to choose can seem challenging. There are many financing options available and sometimes the terms and verbiage can be difficult to understand. We understand that while one type of loan will work for a particular person, it’s not the best for another.

"Every family or individual has different needs, and we will work together to help you find the best financing options for your particular situation.

We are an Arizona-based mortgage lender that is authorized to offer low down mortgage programs that accept down payment assistance and we will fully explain your financing options and advise you as to what will be the most satisfactory and affordable choice … for the short-term and the long-term.

Work With a Reputable Licensed Arizona Mortgage Lender

Simply put, not all loan officers are alike. When shopping for a low down mortgage program that works best with Arizona down payment assistance programs, it is important that you work with a reputable licensed loan officer who is knowledgeable about the various loan programs that accept down payment assistance.

Get a quote from a licensed lender who is approved to offer the low down mortgage programs that work best with Arizona down payment assistance. Getting a quote involves speaking with a loan officer, finding out how much you can buy and what your payment will be and providing any requested information. This way you can get a prequalification letter that you can provide to a real estate agent and down payment assistance plan administrator.

Starting the process to get prequalified is not hard. We can help you rest easy knowing you qualify for the best of the Arizona mortgage programs and down payment assistance options for your personal needs.

HOMES WE CAN HELP YOU FINANCE

$280,000
2 Beds ⋅ 2 Baths ⋅ 7058746 MLS ⋅ 1,120 SqFt.
Experience modern luxury living in the heart of Tempe. This immaculate townhome underwent a full-scale renovation in 2021, blending sophisticated design with thoughtful functionality. Step inside to a light-filled open floor plan featuring custom cabinetry, quartz countertops, sleek stainless steel appliances including an induction cook top and air fryer option oven, smart thermostats and striking designer lighting. Every detail has been curated for elegance--from bathrooms with designer tile and upgraded vanities, to the stunning kitchen with great counter space and storage! LVP flooring upstairs and an epoxy-finished lower level complete the remodel. Upstairs, you'll find generous closets and a private balcony perfect for morning coffee or evening sunsets.

122 S Hardy Drive Unit 8, Tempe
$229,000
1 Beds ⋅ 1 Baths ⋅ 7058696 MLS ⋅ 710 SqFt.
Enjoy easy downtown living in this charming 1-bedroom, 1-bath corner townhouse. This single-level home features laminate and tile flooring, generous storage, a full-size laundry area with washer and dryer, and an assigned covered parking space. Mature trees provide welcome shade throughout the community, while the community pool offers a refreshing place to relax. Conveniently located near light rail, dining, coffee shops, museums, and the many attractions of Downtown Mesa.

231 N Robson -- Unit 2, Mesa
$265,000
2 Beds ⋅ 3 Baths ⋅ 7058688 MLS ⋅ 992 SqFt.
Very nice 2-bedroom townhouse in a highly sought-after Chandler community featuring a sparkling community pool and low HOA fees. The kitchen offers white quartz countertops, stainless steel appliances, undermount sink, dishwasher, disposal, and a good-sized pantry. Enjoy a private courtyard perfect for morning coffee or relaxing evenings. Located just a couple miles from beautiful downtown Chandler, with its charming mom-and-pop shops, restaurants, and year-round community events. A great opportunity in a fantastic location.

1961 N Hartford Street Unit 1057, Chandler
$329,900
2 Beds ⋅ 2 Baths ⋅ 7058533 MLS ⋅ 993 SqFt.
Move-in ready, single-level, 2-bedroom, 2-bath townhome tucked away in the back of the community with no neighbors to the east for added privacy. This beautifully updated home features new luxury vinyl plank flooring in the main living areas, new carpet in the bedrooms, fresh interior paint, new baseboards, newer appliances, and updated light fixtures. The inviting living room offers a cozy wood-burning fireplace, creating the perfect place to relax. With modern updates throughout and a desirable location, this low-maintenance home is ready for its new owner! Community pool and heated spa, close to freeways, near shopping, dining, and entertainment!

1111 W Summit Place Unit 32, Chandler
$355,000
3 Beds ⋅ 2 Baths ⋅ 7058524 MLS ⋅ 1,261 SqFt.
Perfect opportunity for a long-term rental or your forever home. The home features a bunch of new updates; it is on the end and has a great homey feel to it. There is a nice private and fenced backyard with additional storage, and a private gate to the covered parking. Inside the layout is fantastic with an open floor plan flowing from the kitchen into the living room and vaulted ceilings that gives it such a spacious feel. The master bedroom features a private patio door and is on the opposite side of the two other bedrooms.

860 N Mcqueen Road Unit 1026, Chandler
$239,500
2 Beds ⋅ 2 Baths ⋅ 7058474 MLS ⋅ 954 SqFt.
Welcome to this beautifully renovated 2-bedroom, 2-bathroom condo in the peaceful and well-maintained Emelita Place community. This move-in-ready home features a bright, open interior with abundant natural light, updated finishes, and a functional layout designed for comfortable everyday living. Enjoy the community pool just steps away, perfect for relaxing or cooling off on warm Arizona days. Ideally situated in a highly central Mesa location, you'll have convenient access to shopping, dining, parks, schools, freeways, and everything the Valley has to offer. Whether you're a first-time homebuyer, downsizing, or looking for a low-maintenance investment property, this charming condo offers the perfect combination of comfort, convenience, and community with a low HOA!

1730 W Emelita Avenue Unit 2102, Mesa
$315,000
4 Beds ⋅ 3 Baths ⋅ 7058415 MLS ⋅ 1,518 SqFt.
Welcome home to this spacious and inviting 4-bedroom, 2.5-bath townhouse nestled in the heart of Mesa. From the moment you step inside, you'll feel the comfort and warmth of a home designed for making memories. With 1,518 square feet of thoughtfully designed living space across two stories, there is room to spread out, entertain, and enjoy everyday living. The main level features a spacious separate living area with a welcoming atmosphere, complemented by a light and bright kitchen with stainless steel appliances and a separate dining area perfect for family meals or gathering with friends. A generously sized laundry room with washer and dryer hookups adds everyday convenience. Upstairs, you'll find all four bedrooms, creating a private retreat away from the main living quarters, and offering the perfect opportunity to personalize the space with new carpeting or flooring to suit your style and taste. The home also boosts new windows throughout, complete with a 3-year warranty, providing comfort, efficiency, and peace of mind. A newer A/C system adds to the year-round comfort of this beautiful home. Step outside to your private, spacious patio with a storage shed -- the perfect place for enjoying Arizona evenings, outdoor dining, or additional storage. The property also includes three reserved parking spaces, including one covered space. The community offers an exceptional lifestyle with an oversized Olympic-size pool and a fantastic clubhouse, providing great spaces to enjoy with family and friends. The location is ideal, with convenient access to the light rail, ASU, shopping, dining, and entertainment. The HOA includes water, sewer, and garbage collection, adding value and convenience while making everyday living easier. With its spacious floor plan, thoughtful upgrades, private outdoor space, resort-style amenities, and prime Mesa location, this townhouse offers the perfect blend of comfort, convenience, and lifestyle. This isn't just a place to live -- it's a place to call home!

225 N Standage -- Unit 29, Mesa
$415,000
3 Beds ⋅ 2 Baths ⋅ 7058411 MLS ⋅ 1,330 SqFt.
Welcome home to this beautifully remodeled 3-bedroom, 2-bathroom townhome with a 2-car garage, offering modern updates and a fantastic location. Recent renovations include new flooring, cabinets, interior paint, baseboards, quartz countertops, and stainless steel appliances, creating a stylish, move-in-ready home. Enjoy a spacious and functional floor plan designed for comfortable everyday living. Residents also have access to a community pool, perfect for cooling off and relaxing. Additional features include gated RV/boat parking available for an additional fee, providing extra convenience for your recreational vehicles. Ideally located just minutes from Costco, Starbucks, Kiwanis Park, and an abundance of shopping, restaurants, entertainment, and parks, this home offers the perfect combination of comfort, convenience, and low-maintenance living.

6726 S Brittany Lane, Tempe
$260,000
3 Beds ⋅ 2 Baths ⋅ 7058316 MLS ⋅ 1,100 SqFt.
Welcome to this beautifully maintained 3-bedroom, 1.5-bath townhouse offering the perfect combination of style, comfort and convenience. Whether you are a first-time homebuyer, looking to downsize, or searching for a turnkey investment property, this home checks all the boxes. Inside, you'll find a bright and inviting living space with an updated kitchen featuring granite countertops, a beautiful backsplash, under-cabinet lighting and ample cabinetry, making meal prep and entertaining a breeze. A new HVAC system provides year-round comfort and added peace of mind. Enjoy the ease of covered parking and a low-maintenance lifestyle with an HOA that takes care of the exterior maintenance, allowing you more time to enjoy the community amenities, including a refreshing community pool. Ideally situated in Northwest Mesa, this home is just minutes away from shopping, dining and everyday conveniences. Spend weekends exploring Riverview Park, Sloan Park or Tempe Marketplace. Easy access to the nearby canal trails for biking or walking. Quick access to major freeways makes commuting throughout the Valley simple. This move-in ready townhouse offers the lifestyle, location, and value. Don't miss the opportunity to make it yours!!

1500 W Rio Salado Parkway Unit 122, Mesa
$260,000
2 Beds ⋅ 2 Baths ⋅ 7058034 MLS ⋅ 1,130 SqFt.
Stunning, completely remodeled in July 2026 Condo 2 Beds, 1.5 Baths offer low-maintenance living. HOA covers landscaping, water, sewer, trash, Roof repairs and exterior building maintenance. Interior features fresh paint, quartz countertops, new floor, upgraded bathroom. New curtains, New light ceiling fan. Community pool and moving ready. Conveniently located close to ASU, Tempe Market place and tons of Food and Shopping. Very quick and easy access to Freeway 202.

1455 N Alma School Road Unit 40, Mesa
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