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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

$399,999
3 Beds ⋅ 2 Baths ⋅ 7012157 MLS ⋅ 1,308 SqFt.
Modern Elegance in a Prime Location! Stylish 3-bed, 2-bath townhouse featuring an open-concept layout, abundant natural light, high ceilings, and premium finishes. Gourmet kitchen with stainless steel appliances, granite countertops, and ample cabinetry. Spacious primary suite with ensuite bath and generous closet space. Two additional bedrooms offer flexibility for guests or office use. Enjoy low-maintenance living with a private patio and balcony. Conveniently located near top-rated schools, dining, shopping, and major freeways. Just 2.2 miles to Epicenter at Agritopia and approx. 10 minutes to Mesa Gateway Airport--perfect for a lock-and-leave lifestyle.

4020 E Toledo Street Unit 103, Gilbert
$325,000
2 Beds ⋅ 2 Baths ⋅ 7012148 MLS ⋅ 1,319 SqFt.
Charming front courtyard welcomes you to this beautifully maintained SINGLE-level Tuscan-style townhome in the gated community of Toscano Villas. Featuring a desirable split floorplan with 2 bedrooms and 2 bathrooms, this home offers a spacious great room design with vaulted ceilings, fireplace, and dining area.The thoughtfully designed kitchen showcases stainless steel appliances, abundant cabinetry, granite countertops, center island with breakfast bar seating. Tile flooring flows throughout the main living areas. The impressive primary suite offers a relaxing retreat with dual sinks, granite counters, soaking tub, & separate tiled walk-in shower. Recent updates include freshly painted interior and baseboards, a new roof in 21, & A/C in 22, spacious 2-car garage. Enjoy the resort-style amenities of Toscano Villas, including a sparkling community pool and clubhouse. This is low-maintenance luxury living in a beautifully kept gated community. Come see why this is the perfect place to call home!

5370 S Desert Dawn Drive Unit 42, Gold Canyon
$499,999
3 Beds ⋅ 2 Baths ⋅ 7011778 MLS ⋅ 1,834 SqFt.
Located in the gated community of Cachet at Las Sendas in Mesa, AZ, this property offers a low maintenance, lock and leave lifestyle in one of Northeast Mesa's most desirable areas. This particular home stands out with one of the largest backyards in the community, situated on a corner lot next to an expansive open area that provides additional space and privacy rarely found in Cachet. Single level homes in this community are limited, making this an especially unique opportunity. Inside, the home is completely move in ready and very well maintained. You'll find tall vaulted ceilings, detailed architectural features, and a spacious kitchen with abundant cabinet space and countertops. The primary suite offers views of the outdoor space, along with a bathroom featuring a soaking tub, separate shower, double vanities, and a large walk in closet. Additional features include a two car attached garage and all appliances included-washer, dryer, and refrigerator. The gated community of Cachet at Las Sendas offers private amenities including a private pool and spa, a fitness center and a business center/library. Residents can also enjoy access to all the Las Sendas amenities including pools, another fitness center, tennis, pickleball, walking and hiking trails and it's near one of the best golf courses in Mesa. It's also conveniently located near the Usery Mountains with quick access to the Loop 202. This HOA provides exceptional value, covering exterior maintenance, front yard landscaping, and even roof replacement (roof replaced approximately five years ago), making this an ideal option for buyers seeking low maintenance living. Opportunities like this are hard to find in Cachet at Las Sendas, with a single level layout and one of the largest lots in the community.

7445 E Eagle Crest Drive Unit 1004, Mesa
$243,900
2 Beds ⋅ 2 Baths ⋅ 7011185 MLS ⋅ 990 SqFt.
Welcome to this delightful 2-bedroom townhome in the sought-after 55+ community of Sunland Villas! Step inside to discover an inviting living room flooded with natural light, a kitchen ready for everyday cooking, and thoughtful touches throughout -- including neutral tones, clean carpets, and ceiling fans. The primary suite offers a walk-in closet and a private bathroom, while the second bedroom -- complete with a closet and outdoor access -- adapts effortlessly as a home office or hobby room. Relax and recharge under the covered back patio. The unit even has a 1-Car Garage. As a resident of this vibrant active adult community, you'll enjoy access to Sunland Village amenities, the Sunland Village Golf Club, and the nearby Greenfield Park. A rare opportunity you don't want to miss!

4329 E Capri Avenue Unit 222, Mesa
$264,900
3 Beds ⋅ 3 Baths ⋅ 7010758 MLS ⋅ 1,296 SqFt.
*** Seller's loan is assumable at 3.875% after approval*** Well-maintained 3 bed, 2.5 bath corner-unit townhouse in the Dobson Glen community of Mesa. This 1,296 sq ft two-level home sits at the end of the building, offering added privacy and a cozy patio for relaxation and entertainment. The kitchen features granite countertops and stainless steel appliances, opening to a spacious living area with a fireplace and wet bar. Major systems have been cared for, including an AC replaced in 2023. Residents enjoy access to two pools, two spas, and two tennis courts. HOA fees include water, garbage, pest control, and exterior maintenance for added convenience.

2040 S Longmore -- Unit 70, Mesa
$255,000
1 Beds ⋅ 1 Baths ⋅ 7010380 MLS ⋅ 673 SqFt.
Welcome to Beach Club Village at Val Vista Lakes, offering easy living in the heart of Gilbert. This 1-bedroom, 1-bath condo is perfectly designed for comfort and simplicity, whether you're relaxing at home or heading out. Located just minutes from downtown Gilbert's top restaurants, shops, and entertainment, with quick access to the US-60 for an easy commute. Residents enjoy resort-style amenities including a beach-entry pool, lap pool, spa, racquetball courts, full fitness center, and a beautiful lake-view clubhouse with space for events. Quiet, convenient, and elevated living all in one.

1633 E Lakeside Drive Unit 58, Gilbert
$289,000
2 Beds ⋅ 3 Baths ⋅ 7010149 MLS ⋅ 1,317 SqFt.
Located in The Landings at Dobson Ranch, this waterfront townhome offers a peaceful setting with a stream, waterfall, and scenic views from both the back patio and the large upstairs terrace. Inside, the home features a farm-style kitchen, a spacious living room with plenty of room for a large sectional or a sofa with an office setup, and a comfortable layout that makes the most of the space. The bedroom is generously sized, fitting a king sized bed, and includes a walk-in closet. Updated flooring replaced within the last 5 years and a 2-year-old water heater add to the home's appeal. The back patio includes access to the common area, creating an easy connection to the lush surroundings. Residents can also enjoy the various Dobson Ranch amenities. SEE MORE FOR HOA INCUSIONS. HOA includes: Roof Repair/Replacement, Water, Sewer, Trash, Pest Control, Maintenance on grounds and Exterior building and Insurance

2232 W Lindner Avenue Unit 23, Mesa
$439,900
2 Beds ⋅ 3 Baths ⋅ 7010093 MLS ⋅ 1,662 SqFt.
Beautiful updated condo in the highly sought after gated community of Cachet at Las Sendas. This unit offers ultimate privacy with no rear neighbors and a layout that makes great use of every square foot. Downstairs you have a spacious living room with vaulted ceilings, an updated kitchen with extended cabinetry, and a flex room that works perfectly as a den, home office, or spare bedroom. Upstairs you'll find two generously sized bedrooms each with their own en suite bathroom, plus a private balcony off the primary with mountain views. Both the HVAC and roof have been replaced within the last couple of years, so the big ticket items are already taken care of. Living in Las Sendas means access to fitness centers, pools, pickleball and tennis courts, walking paths, hiking trails, a golf course, restaurant, social events and more. One of the most well rounded communities in the East Valley and this unit is one you need to see!

7445 E Eagle Crest Drive Unit 1056, Mesa
$350,000
3 Beds ⋅ 2 Baths ⋅ 7009824 MLS ⋅ 1,320 SqFt.
Great Location! Near all Major Freeways, 101, 202, 60, and 10! Walking Distance to ASU and Downtown Tempe! Beautifully Renovated North Facing 3 Bed 2 Bath End Unit. Master Bedroom exit to Balcony, Great Room exit to Back Patio PLUS a Rooftop Patio upstairs! NO CARPET! Smooth LVT flooring throughout, Full Size Washer and Dryer in unit!, 1 Bedroom and 1 Full Bath on 1st Floor, 2 Bedrooms and 1 Full Bath on 2nd level. New Ac, Flooring and Stainless Appliances in 2022. Range has Air Fry Feature! Complex features Community Pool, Spa and Tennis Courts. Furnishings also available on separate bill of sale.

617 W 13th Street, Tempe
$330,000
2 Beds ⋅ 2 Baths ⋅ 7009458 MLS ⋅ 1,200 SqFt.
Beautiful 2-bedroom, 1.5-bath townhouse at 1600 N Saba St #111 with an open, inviting layout. Recent upgrades include new windows, doors, and energy-efficient foam insulation to keep the home cool and comfortable through Arizona summers. Nestled in a peaceful, well-maintained neighborhood, this home offers the perfect balance of style, comfort, and convenience. Ideal for anyone seeking modern living in a quiet community.

1600 N Saba Street Unit 111, Chandler
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