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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.

PIMA TUCSON HOMEBUYER’S SOLUTION

The Pima Tucson Homebuyer’s Solution helps overcome barriers so you can buy a home in Tucson, Arizona.  The benefits are similar to those offered by the programs listed above and are offered in all of Pima County including the City of Tucson.

There is no purchase price limit to this program other than the maximum amounts of the loan program that you choose.  For example, in 2020, the maximum FHA loan amount in Pima County is $331,760.  Household income cannot exceed $99,169.

A Pima Tucson Homebuyer’s Solution conventional loan program is now offered through the both the Fannie Mae FHA Preferred loan program and the Freddie Mac FHA Advantage loan program.

Program Highlights:

Down payment assistance options available between 2.5% and 6%.  You can choose what is best for you based on your loan scenario.

There is no first time homebuyer requirement.

Asssistance money received through the Pima Tucson Homebuyer’s Solution 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 down payment assistance program in Tucson and all of Pima County.

The assistance money offered to help you buy a home in Tucson or other parts of Pima County has been consistently available and has continuous funding.

How to Qualify:

Qualify for a FHA, VA, USDA or conventional loan with a maximum debt-to-income ratio of 50%.

Minimum FICO score is 640.  Some of the different mortgage programs and down payment amount scenarios may require a higher score.

Household income cannot exceed $105,291.

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.

Arizona Mortgage Programs 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

$269,500
2 Beds ⋅ 2 Baths ⋅ 7049521 MLS ⋅ 1,233 SqFt.
Private 55+ community of Las Alegres. Citrus and real green grass yards maintained by community, community fenced pool, inside spa, club house is remodeled with vinyl plank flooring in community room, kitchen, library, fitness & pool table room. Spacious 2 bedroom 2 bath home with added bonus office or optional room fully tiled. Large kitchen with newer appliances, smooth top range, microwave, dishwasher, Refrig included! Inside laundry with washer & dryer included! Tons of storage thru out home. Main bath & bedroom complete with ceramic plank tile. Shower redone in updated tile, newer vanity, mirrors & lighting. Glass barn door covers closet or bath. New carpet in 2nd bedroom. Shutters & ceiling fans throughout. Oversized 2+ car garage. Front courtyard. Come see this hidden gem across from community pool & clubhouse. Area for some RV storage. HOA is $260 per month which includes water, sewer & garbage, exterior maintenance, front yard maintenance, pool & clubhouse.

3345 E University Drive Unit 13, Mesa
$330,000
3 Beds ⋅ 2 Baths ⋅ 7049376 MLS ⋅ 1,118 SqFt.
NO HOA on a large corner lot in a prime Mesa location. Just minutes from US-60, close to the East Valley's best shopping and dining! This 3-bedroom, 2-bath twin home offers the perfect blend of comfort, functionality, and low-maintenance living. Features include a 1-car garage, secure 1-car carport, private gated front courtyard, and easy-care backyard. Inside, you'll find a functional split floor plan with beautiful tile flooring throughout, neutral paint, and ceiling fans in all the right places. The inviting living area flows into the spacious eat-in kitchen, creating a comfortable space for everyday living and entertaining. The private primary suite is separated from the secondary bedrooms for added privacy. Move-in ready and perfect for first-time buyers!

1261 E Harmony Circle, Mesa
$355,000
2 Beds ⋅ 3 Baths ⋅ 7049338 MLS ⋅ 1,242 SqFt.
REDUCED + MOVE-IN READY! Life feels a little different at The Lakes. Imagine morning walks around the water, afternoons by the Olympic-size pool, pickleball with friends, neighborhood events, and evenings spent enjoying one of Tempe's most beloved lake communities. With scenic lakes, mature trees, lush greenbelts, walking paths, a private Beach & Tennis Club, fitness center, boating, fishing, tennis, pickleball, basketball, racquetball, an active swim team, and a full calendar of clubs and activities, it's easy to see why so many people love calling The Lakes home. Tucked near the back of the community, this move-in ready two-story townhome offers the perfect blend of comfort, privacy, and low-maintenance living. Step inside to a welcoming living room featuring fresh interior paint throughout, brand-new carpet, updated laminate flooring in the living area, and a convenient main-floor powder room. The kitchen blends timeless style and everyday function with white cabinetry, granite countertops, stainless steel appliances, and an adjoining dining area that opens to a spacious, fully enclosed private patio--perfect for entertaining, relaxing, or enjoying Arizona's beautiful weather year-round. Upstairs, you'll find two true primary suites, each with its own private bathroom, walk-in closet, ceiling fan, and laminate flooring, creating a flexible layout that's ideal for guests, roommates, working from home, or simply enjoying the comfort and privacy of two spacious bedroom suites. Just minutes from ASU, Tempe Marketplace, Downtown Tempe, shopping, dining, entertainment, and convenient access to US-60, Loop 101, and I-10, this home offers more than just a place to live--it offers a lifestyle.

5619 S Admiralty Court Unit C, Tempe
$284,000
3 Beds ⋅ 2 Baths ⋅ 7049250 MLS ⋅ 936 SqFt.
Beautifully Remodeled Single-Level Townhome in an Unbeatable Tempe Location! Move right into this stunning 3-bedroom, single-level townhome featuring a private, fenced courtyard-perfect for relaxing, entertaining, or enjoying Arizona's beautiful weather. Every detail has been thoughtfully updated, including brand-new appliances, custom cabinetry, quartz countertops, designer-tiled showers, new flooring, and modern electric zebra blinds throughout. Ideally located just minutes from Arizona State University, Mesa Riverview, Sloan Park (Chicago Cubs Spring Training), shopping, dining, Valley Metro Light Rail, and the Loop 101 and 202 freeways, this home offers exceptional convenience for work, school, and recreation. Located within the highly regarded Tempe School District, this move-in-ready home combines modern style with low-maintenance living in a vibrant community. Whether you're looking for your primary residence, a second home, or an investment opportunity, this beautifully updated property is one you won't want to miss. Owner/Broker.

525 N May Street Unit 9, Mesa
$410,000
2 Beds ⋅ 2 Baths ⋅ 7049235 MLS ⋅ 1,587 SqFt.
MOTIVATED SELLER -- Bring your offers! Seller is willing to negotiate closing costs. Welcome to Tuscany Villas at Painted Mountain Golf Course, an exclusive gated community in NE Mesa offering resort-style living. Conveniently located near the 202 Red Mountain Freeway, shopping, and dining -- and under 30 minutes to Sky Harbor Airport. Termite inspection clear and completed. Home maintenance is up to date. This meticulously maintained two-bedroom townhome is move-in ready and features a bright, open-concept design with spacious kitchen, living and dining areas, abundant natural light, neutral tile flooring throughout, and carpeted bedrooms. The upgraded kitchen offers granite countertops, stainless steel appliances, and a reverse osmosis system. All furniture and artwork convey. The flexible floor plan accommodates multiple bedroom options, features like tailor-made closet systems, a Murphy bed in the guest bedroom that allows for office flexibility. Private outdoor spaces include premium sized lot, courtyard and covered patio. A extended two car garage and easy-care landscaping all add to the home's attractiveness and function. Major systems have been updated: HVAC (2023), hot water heater (2025), soft water system (2025), and garbage disposal (2026). Residents enjoy amenities like a clubhouse, pool, spa, pickle ball court, fitness facility, media/game rooms and picturesque golf course views, perfect for either full-time living or a seasonal getaway. There are many social events and regular activities planned for the homeowners. No age restriction. Pet friendly with 2 pet limit.

6202 E Mckellips Road Unit Unit 3, Mesa
$325,000
2 Beds ⋅ 3 Baths ⋅ 7049179 MLS ⋅ 1,456 SqFt.
Beautifully maintained townhome located in a desirable gated community! This thoughtfully designed floor plan features 2 oversized primary suites, each complete with its own private bathroom, making it ideal for guests, multi-generational living, roommates, or a private home office. Offering 1,456 sq ft of living space, this home features beautiful wood-look tile flooring, an open-concept kitchen overlooking the family room, and an attached 2-car garage with plenty of storage. Both primary suite bathrooms feature double sinks. One suite offers a walk-in shower, while the other includes a tub/shower combination. Each oversized bedroom features a walk-in closet and its own private balcony. Upstairs you'll also find a convenient laundry room w/ storage cabinets, a built-in desk niche in the hallway that's perfect for working from home or homework, newer carpet, and an abundance of storage throughout. Enjoy the security and convenience of gated community living while being just minutes from shopping, dining, golf, and freeway access. This move-in ready home offers a rare floor plan in a fantastic Mesa location!

6710 E University Drive Unit 156, Mesa
$278,000
2 Beds ⋅ 2 Baths ⋅ 7049175 MLS ⋅ 1,046 SqFt.
Welcome home to this refreshed 2-bedroom, 2-bath residence in a desirable West Mesa location. Perfectly positioned near Arizona State University, vibrant Downtown Mesa, and the Oakland Athletics Spring Training facility at Hohokam Stadium, this home offers an unbeatable combination of convenience and lifestyle. Spend your weekends exploring local favorites like Goat and Ram, Tacos Chiwas, and Republica Empanada, catch a performance at the Mesa Arts Center, or discover Arizona's rich history at the Arizona Museum of Natural History. With shopping, dining, entertainment, light rail access, and major freeways all nearby, this is an ideal opportunity to enjoy everything the East Valley has to offer. Soaring vaulted ceilings and fresh interior paint create a bright, open feel throughout the main living space. The kitchen features generous counter space and ample cabinetry, making meal preparation and daily living both functional and efficient. Both bathrooms have been tastefully remodeled with modern finishes, and a brand new washer adds everyday convenience, making this home truly move-in ready. Enjoy a private covered back patio for relaxing or entertaining, along with a covered carport for added convenience. The community pool provides a refreshing retreat during the warmer months. Major 2025 updates include a new roof, full PEX repipe, plumbing upgrades with new shut-off valves, and new front gutters, offering peace of mind for years to come. Whether you're a first-time homebuyer, ASU student or faculty member, investor, or simply looking for a low-maintenance home in a prime location, this thoughtfully updated residence offers exceptional value, modern upgrades, and the best of Mesa living--all ready for you to call home.

910 N Center Street Unit 16, Mesa
$344,900
2 Beds ⋅ 2 Baths ⋅ 7049140 MLS ⋅ 1,296 SqFt.
Great opportunity to own this 2 bedroom, 2 bathroom townhome that sits on a beautiful corner lot. Tile & laminate flooring throughout, vaulted ceilings, cozy fireplace, ceiling fans, all appliances, etc. Exterior features a wonderful front courtyard & back patio. Low maintenance as the HOA covers all landscaping needs (outside the patio/courtyard). Large 2-car garage with built-in storage cabinets. Community pool! Buyer to verify all facts & figures.

2059 E Brown Road Unit 16, Mesa
$289,000
3 Beds ⋅ 3 Baths ⋅ 7049008 MLS ⋅ 1,377 SqFt.
Motivated seller, bring all offers!. Fully remodeled condo in the highly sought-after Dobson Ranch. This move-in ready home features a new A/c, luxury vinyl plank flooring, fresh paint, modern lighting, & designer finishes throughout. The stunning kitchen showcases white shaker cabinets, quartz countertops, waterfall island,full-height quartz backsplash, and stainless steel appliances. The open-concept floor plan creates a bright and inviting space, perfect for everyday living and entertaining. Enjoy Dobson Ranch amenities including lakes, pools,parks, walking paths, tennis courts, and recreation center. Conveniently located near shopping, dining, golf, and major freeways.

2121 S Pennington -- Unit 21, Mesa
$346,500
4 Beds ⋅ 3 Baths ⋅ 7048833 MLS ⋅ 1,536 SqFt.
This low maintenance, 4 BEDROOM, 3 BATH townhome is 3.5 Miles south of Arizona State University. It's fabulous for taking on college boarders or rooms for children. A community pool, garbage, exterior home (incl. landscaping) maintenance, washer, dryer, fridge & covered parking is incl. The home has been remodeled over the last few years, has a bedroom & bath on the ground floor w 3 beds & two baths upstairs. The roof was redone in 2026. Water heater was replaced in 2024. Pictures were taken prior to the tenant, who has now moved out. A short drive to the superstition freeway, Tempe Diablo Stadium (spring baseball) Gammage theater, ASU facilities, job corridors, the nations largest municipal park, malls, golf & sky harbor airport

3909 S Mill Avenue, Tempe
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