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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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NEIGHBORHOOD STABILIZATION PROGRAM

In the wake of the 2008 mortgage crisis, the federal government took action to help bolster the weakened economy and help fix the housing market.  This included the creation of the Neighborhood Stabilization Program.  As the name suggests, this program was formed to stabilizing areas that had suffered from foreclosures.

This program includes grant money that has been offered to states, local governments and select non-profit entities.

It was originally created in 2008 as part of the Housing and Economic Recovery Act.

It was then continued through a second round of funding provided in 2009 under the American Recovery and Reinvestment Act.

Next, additional funds were authorized under the Dodd–Frank Wall Street Reform and Consumer Protection Act in 2010.

Arizona Neighborhood Stabilization Program Information

What Are AZ Home Buyer Grants?

Many home buyers search for home loan grants Arizona. How do they work?  Grants are given by the federal, state or local governments and, when available, are great to help with down payment assistance and closing costs.

Unlike some types of assistance, grants are not expected to be repaid.

There are a variety of different down payment assistance programs available in Arizona. They are offered through the state, county and city governments and state housing agencies and are made available to serve low to average income earning Arizona families.  They also help revitalize areas that have been hit hard by foreclosures to help boost and stabilize home values.

At times, instead of a true grant program, many of the down payment assistance programs will provide the assistance funds in the form of a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership.

List of Arizona Down Payment Assistance Programs

Home Buyer Grants Available in Arizona Offered by the Federal Government

Programs offered by the federal government are typically administered through the Department of Housing and Urban Development (HUD).  Please note that arizonadownpaymentassistance.com is not a government agency and is not affiliated with HUD.

Programs including home loan grants in Arizona that HUD offers include (but are not limited to) the following:

  • Good Neighbor Next Door provides substantial discounts on homes in key revitalization areas to teachers, law enforcement officers, firefighters and EMTs.
  • Homeownership Voucher Program provides assistance in the form of home buying subsidies to first time homebuyer low-income families.
  • Homeownership for public housing residents provides assistance for public housing residents in becoming homeowners.
  • Neighborhood Stabilization Program help revitalize Arizona communities that have been hit hard by foreclosures and abandonment to help boost and stabilize home values. The program aims for the purchase and redevelopment of foreclosed and abandoned homes and residential properties.

Assistance for Existing Homeowners

In addition, the government offers affordable housing help to existing homeowners that are struggling to maintain their higher mortgage payments through various refinance, modification, short sale or deed-in-lieu programs.

Two of the most popular recent government affordable housing mortgage programs include the Making Home Affordable Program and the Home Affordable Foreclosure Alternatives Program.

HOMES WE CAN HELP YOU FINANCE

$229,000
2 Beds ⋅ 1 Baths ⋅ 7044516 MLS ⋅ 784 SqFt.
Beautifully renovated 2-bedroom, 1-bath townhome in a convenient Mesa location with modern upgrades throughout. Recent improvements include new vinyl windows, a new sliding glass door, luxury waterproof laminate flooring, recessed LED lighting, ceiling fans, and fresh interior paint. The open-concept kitchen features white shaker cabinets, granite countertops, new GE and Bosch stainless steel appliances, and a custom breakfast bar with additional storage and generous prep space. The remodeled bathroom includes updated tile, a modern vanity, stylish fixtures, and a tub/shower enclosure. Additional features include two dedicated off-street parking spaces, washer/dryer hookups, private covered patio and access to the community pool. Easy Access Freeways, Shopping and Dining.

830 S Dobson Road Unit 72, Mesa
$255,000
2 Beds ⋅ 2 Baths ⋅ 7044489 MLS ⋅ 862 SqFt.
Fantastic opportunity near Arizona State University! This 2-bedroom, 2-bathroom condo with 1 covered parking space is ideally located in the heart of Tempe, just minutes from ASU, shopping, dining, and major freeways. HOA includes water service, and the refrigerator, washer, and dryer are all included, making this a truly move-in-ready property. Conveniently located across from Safeway and only a short drive, bike ride, or walk to campus. With its prime location near ASU and strong rental demand in the area, this property presents an excellent opportunity for both investors and owner-occupants. Whether you're looking for a primary residence, a home for an ASU student, or a long-term investment property, this condo offers exceptional value in a highly desirable location. Don't miss this affordable Tempe opportunity!

1125 E Broadway Road Unit 113, Tempe
$379,999
3 Beds ⋅ 3 Baths ⋅ 7044379 MLS ⋅ 1,397 SqFt.
This adorable two-story stand alone home, in Seawynds at the Islands is the one for you! Light &. Bright,Freshly painted & all new flooring/LVP/Carpet throughout.Conveniently close to restaurants, shopping & golfing! Spacious living area showcasing soaring ceilings to enhance the space. Spotless kitchen complete with lots of storage. a peninsula with a breakfast bar & sleek stainless steel appliances for a seamless cooking experience. The serene primary bedroom promises a good night's sleep, including a full bathroom with dual sinks The low maintenance backyard is the perfect size to enjoy weekend grilling and relaxing evenings. Multiple Community Pools & Green Belt/Parks, Walking Paths, Community Ctr. Plus lake rights.You can launch a no motor boat on the lake a putt around the Islands

1071 W Sandy Banks Drive, Gilbert
$445,000
3 Beds ⋅ 2 Baths ⋅ 7044337 MLS ⋅ 1,539 SqFt.
Beautifully updated home in a desirable Tempe location, offering a blend of modern updates, flexible living areas, and low-maintenance outdoor living. Fresh neutral finishes, wood-look tile flooring t/out, updated lighting, and abundant natural light create a clean, move-in-ready feel from the moment you enter. The spacious floor plan features an oversized dining room with custom built-in cabinetry and shelving, providing storage and entertaining space. Multiple living areas offer flexibility for working from home, hobbies, or creating the perfect media room. The kitchen features ample cabinetry, granite counters, and stainless-steel appliances. Private backyard designed for easy maintenance and year-round enjoyment with newly installed Gazebo. Over $75k in improvements - see supplement HOME IMPROVEMENTS since purchase: Fresh interior paint throughout in 2022 Shiplap to one bedroom wall in 2024 Window blinds to all rooms in 2022 Kitchen and laundry rooms have window blinds within the doors (built in) All windows replaced by previous owner. New GE stainless steel refrigerator in 2023 11/2025 - 12'x16' aluminum gazebo for backyard 3/2025 - installed/wired 3 ceiling fans w/ light kits in all bedrooms and family room 11/2024 - replaced all cast iron sewer ($21k) 5/2023 - new HVAC 2023 - refinished tub and shower 2022 & 2023 - 2 new bathroom vanities and installation and new toilets 10/2022 - ceramic tile plank flooring throughout 10/2022 - Backyard landscape (turf, fruit trees, pavers, pots) and front yard update (pavers, add rock)

1988 E Oxford Drive, Tempe
$400,000
2 Beds ⋅ 2 Baths ⋅ 7044231 MLS ⋅ 1,401 SqFt.
Beautifully maintained 2-bedroom plus den home in the desirable Alta Mesa golf community! This move-in ready property features an updated interior with upgraded custom kitchen cabinetry, Corian countertops, stainless steel appliances, decorative stove hood, and abundant storage. Refrigerator, washer, and dryer are all included. The spacious great room showcases a cozy fireplace, while tile flooring extends throughout the main living areas with carpet in the bedrooms for added comfort. The den offers flexibility for a home office, hobby room, or guest space. Enjoy outdoor living in the private gated courtyard or relax under the covered patio. Additional highlights include extra storage cabinets in the garage and access to the heated community pool. Conveniently located near golf, shopping, dining, and freeway access, this well-cared-for home offers comfort, style, and low-maintenance living in the heart of Mesa's sought-after Alta Mesa area.

1235 N Sunnyvale Street Unit 94, Mesa
$325,000
3 Beds ⋅ 2 Baths ⋅ 7044097 MLS ⋅ 1,269 SqFt.
Beautiful turnkey home that was recently updated from top to bottom with brand new flooring, carpets, designer chef's kitchen complete with granite countertops, and stainless-steel appliances, new water heater, brand new windows throughout the home, new sky dome with blackout curtain, brand new A/C plus a brand new mini split a/c in the nursery/office. It has an excellent Security/Alarm System that can be control and view from your phone. Save on your electric bill with a roof Solar System that is installed and will be paid off by SELLER upon sale of the home. Enjoy your private backyard with an extra storage unit. Don't miss this opportunity to live in a desirable neighborhood close to several businesses, walking/bike paths, and well-kept community pool and spa.

2455 E Broadway Road E Unit 103, Mesa
$319,000
3 Beds ⋅ 2 Baths ⋅ 7044089 MLS ⋅ 1,189 SqFt.
Located just North of Downtown Gilbert! This home features 2 Bedrooms plus loft that could be used as a third bedroom, den or office. The home is appointed with granite counters and real hardwood flooring. Two-car tandem garage attached. Enjoy community pool and playground. Excellent dining and entertainment just moments away!

163 W Campbell Court, Gilbert
$314,000
3 Beds ⋅ 2 Baths ⋅ 7044025 MLS ⋅ 1,110 SqFt.
Move in ready! Adorable 3 bedroom, 2 bath townhome in Northpointe II. Great community, low maintenance living. Waterproof vinyl flooring throughout. Washer, dryer and refrigerator included! Two parking spots, one is covered. Common area is maintained by HOA. Three large community pools and 2 hot tubs; Playground, picnic and cookout areas and lots of green paths throughout. Conveniently located close to US-60 and 202 Freeways, restaurants, shopping, city parks, Boeing, McDowell Mountain Region Park, Usery Mountain, Tonto National Forest and plenty of athletic facilities nearby.

5136 E Evergreen Street Unit 1084, Mesa
$295,500
2 Beds ⋅ 2 Baths ⋅ 7043885 MLS ⋅ 1,119 SqFt.
What a find! Your Move in Ready home within the Gated subdivision of Tivoli awaits. A wonderful location in the Golf Course Community of Augusta Ranch. This DR Horton Condo is well situated with a shaded terrace over your 1 car garage and just steps away from the Pool. From the moment you walk into this home you will enjoy the abundance of natural light, vaulted ceilings and an open design. The living and dining areas flow together seamlessly. Wait till you see the large walk-in pantry, stainless appliances, and eat in bar within this updated Kitchen. The bedrooms are separated perfectly with the Master having a nice walk-in closet. You will enjoy having the laundry room and a separate storage room as well. Have comfort in a 2024 variable speed Carrier AC System. Don't wait, Hurry Over!

2024 S Baldwin -- Unit 110, Mesa
$369,900
2 Beds ⋅ 3 Baths ⋅ 7043876 MLS ⋅ 1,318 SqFt.
Immaculate townhome in gated community , lovingly maintained and care for. Main level has a nice front door patio area for private outdoor relaxing. Upgraded features: granite countertops; ''smart'' appliances; flooring, doors, fixtures. Upscale kitchen shares huge great room. Upstairs from here to two large master suites, each with own bath. Plus a bonus, landing space- like an additional room. Home is also available for lease.

300 N Gila Springs Boulevard Unit 282, Chandler
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