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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

$401,000
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
$205,000
2 Beds ⋅ 1 Baths ⋅ 6960001 MLS ⋅ 951 SqFt.
This end-unit townhome with private storage unit, is a 2 bedroom, 1 bath that offers efficient living space with new HVAC, new flooring throughout, and updated kitchen and bathroom. The functional floor plan provides a comfortable living area, a refreshed kitchen with modern finishes, and an updated bath. The end-unit location allows for additional privacy, natural light and steps away from the community pool and greenspace. Features include an enclosed front patio, assigned parking, and minimal shared walls. The community offers a pool, washer and dryer, and common areas, with convenient access to ASU, light rail, shopping, dining, and the 101 and 202 freeways. A solid option for owner-occupants or investors seeking an updated, low-maintenance property in a well-located Tempe community

2662 E Oakleaf Drive, Tempe
$360,000
2 Beds ⋅ 2 Baths ⋅ 6958864 MLS ⋅ 1,188 SqFt.
Beautifully updated 3-story townhouse in the heart of Gilbert, offering 2 bedrooms, 2 bathrooms, and a spacious loft-style living room. This move-in-ready home features new flooring throughout, a fully remodeled kitchen with modern finishes and new appliances, and refreshed bathrooms with new vanities and shower fixtures. Major mechanicals are taken care of with a new water heater and recently replaced AC. Located in a highly desirable community close to shopping, dining, and parks, this home delivers comfort, style, and low-maintenance living perfect for homeowners or investors alike.

4118 E Jasper Drive, Gilbert
$245,000
2 Beds ⋅ 2 Baths ⋅ 6958401 MLS ⋅ 1,152 SqFt.
You'll love this beautiful 2 bedroom town home with treelined views. Enjoy your private patio or step inside to a nicely appointed kitchen, living room, and dining room all on the ground floor. Upstairs enjoy two spacious bedrooms and a comfortable bathroom. Conveniences like 2 assigned parking spaces, built in washer and dryer, a community pool, ample storage, and guest parking make this a comfortable home for anyone to enjoy. Recent upgrades include a new front door, and windows in the living room and both bedrooms, as well as a new AC installed in 2024. The community was recently painted for a fresh look, and the dishwasher, oven, and water heater are just 3 years old! Come tour this home today!

222 W Brown Road Unit 26, Mesa
$270,000
3 Beds ⋅ 2 Baths ⋅ 6957925 MLS ⋅ 1,144 SqFt.
NEW PRICE-MOTIVATED SELLER-EASY TO SHOW. FANTASTIC LOCATION TO ASU, SKY HARBOR, 202/101 FREEWAYS. SPACIOUS TRUE 3 BEDROOM, 2 BATH, WITH TILE FLOORS IN KITCHEN/DINING/HALL/BOTH BATHS. CARPET IN 3 BEDROOMS, WOOD LOOK VINYL IN LIVINGROOM. NEW STAINLESS STEEL APPLIANCES, NEW KITCHEN SINK AND FAUCET, MASTER BATH HAS NEW LIGHT/DOUBLE SINKS/MED CABINETS AND COUNTERTOP. INSIDE FULL-SIZE LAUNDRY INCLUDED. IN JULY OF 2023 AND NEW 14 SEER HVAC SYSTEM WAS INSTALLED. PRIVATE PATIO AND STORAGE, ASSIGNED COVERED PARKING RIGHT OUTSIDE OF THE GATE. THE WATER/SEWER/TRASH/EXTERIOR MAINTENANCE IS INCLUDED IN THE HOA FEE.

834 S Casitas Drive Unit B, Tempe
$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
$270,000
2 Beds ⋅ 2 Baths ⋅ 6951572 MLS ⋅ 1,038 SqFt.

1342 W Emerald Avenue Unit 329, Mesa
$247,900
1 Beds ⋅ 1 Baths ⋅ 6949850 MLS ⋅ 673 SqFt.
Welcome to this gorgeous 1 bedroom, 1 bathroom townhome with a 1 car garage located in the highly desirable Beach Club Village at Val Vista Lakes. Offered fully furnished at full price, excluding only the seller's personal items, this move in ready home is an incredible opportunity for a primary residence, winter retreat, or investment property. Perfectly situated near restaurants, shopping, schools, parks, and with easy access to the US 60 freeway, this home combines comfort, convenience, and resort style living. You'll love the open and airy layout featuring cathedral ceilings that enhance the natural light and spacious feel throughout the home. The kitchen offers ample cabinetry for storage and organization along with a functional layout ideal for everyday living. The spacious bedroom is filled with natural light and includes a walk in closet, vanity area, shower/tub combination, and direct access to your private balcony. Additional features include ceiling fans, a private patio area, storage room, front security door, and an attached one car garage. Beach Club Village residents enjoy access to their own private pool and hot tub, while Val Vista Lakes HOA membership provides an unmatched lifestyle experience with access to the clubhouse, racquetball court, sand volleyball court, 8 tennis and pickleball courts, Jr. Olympic size pool and spa, lagoon style pool, fitness center, and four scenic lakes for boating and kayaking. This desert oasis is truly a must see and an exceptional value.

1633 E Lakeside Drive Unit 166, Gilbert
$448,900
3 Beds ⋅ 3 Baths ⋅ 6947982 MLS ⋅ 1,716 SqFt.
PRICE REDUCED AND LOWER PAYMENTS! Special financing programs available! To help lower your monthly payment, Builder may contribute up to $20,000 toward buyer closing costs and/or permanent or temporary interest-rate buydowns for qualified buyers using the builder's preferred lender. Restrictions apply. Move-in ready 2-4 bedroom townhomes with private yard, and garage! Perfect for owner-occupants or investors seeking rental-ready opportunities in a high-demand corridor. Perfect for owner-occupants or investors seeking rental-ready opportunities in a high-demand corridor. Ideal for owners, investors, professionals, and commuters. Enjoy premium connectivity with immediate access to the US-60, close proximity to ASU, Tempe, Mesa Downtown, Light Rail, Chandler, Gilbert, Scottsdale, PHX Metro! Ideally located near Mesa, Tempe, 60 freeway, Seller incentives, including potential interest rate buy-down options designed to reduce initial monthly payments for qualified buyers (terms apply). These modern residences feature open-concept floor plans, included upgraded finishes, double garage doors open to front and rear. 6 Available first come first serve.

523 S Pasadena -- Unit 114, Mesa
$448,900
3 Beds ⋅ 3 Baths ⋅ 6947980 MLS ⋅ 1,716 SqFt.
PRICE REDUCED AND LOWER PAYMENTS! Special financing programs available! To help lower your monthly payment, Builder may contribute up to $20,000 toward buyer closing costs and/or permanent or temporary interest-rate buydowns for qualified buyers using the builder's preferred lender. Restrictions apply. Move-in ready 2-4 bedroom townhomes with private yard, and garage! Perfect for owner-occupants or investors seeking rental-ready opportunities in a high-demand corridor. Perfect for owner-occupants or investors seeking rental-ready opportunities in a high-demand corridor. Ideal for owners, investors, professionals, and commuters. Enjoy premium connectivity with immediate access to the US-60, close proximity to ASU, Tempe, Mesa Downtown, Light Rail, Chandler, Gilbert, Scottsdale, PHX! Ideally located near Mesa, Tempe, 60 freeway, Seller incentives, including potential interest rate buy-down options designed to reduce initial monthly payments for qualified buyers (terms apply). These modern residences feature open-concept floor plans, included upgraded finishes, double garage doors open to front and rear. 6 Available first come first serve.

523 S Pasadena -- Unit 113, Mesa
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