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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

$239,900
2 Beds ⋅ 2 Baths ⋅ 7002051 MLS ⋅ 1,325 SqFt.
Welcome to this beautifully maintained 2-bedroom, 2-bath residence nestled in the highly sought-after 55+ community of Province, where comfort meets resort-style living. Designed with both functionality and entertaining in mind, this home features a bright open-concept floor plan anchored by a stunning kitchen complete with white cabinetry, granite countertops, stainless steel appliances, a gas range, walk-in pantry, and an expansive island with breakfast bar seating. Elegant plantation shutters and sunscreens throughout enhance both style and energy efficiency, while the thoughtfully designed split floor plan offers ideal privacy. With recent updates including fresh exterior paint (June 2024) and newer appliances, this home is move-in ready.

41615 W Caliente Drive, Maricopa
$234,900
2 Beds ⋅ 2 Baths ⋅ 7001971 MLS ⋅ 1,325 SqFt.
55+ active adult, guard-gated community. Welcome to this beautifully maintained 2 bed, 2 bath home featuring a neutral interior palette & wood look flooring throughout. The open concept layout offers a seamless flow from the spacious living room into the formal dining area & kitchen. The kitchen boasts ample cabinetry & counterspace, tiled backsplash & stainless steel appliances. The primary suite serves as a private retreat, complete w/ an ensuite bathroom featuring a dual-sink vanity & a generous walk in closet. Both bedrooms are finished w/ plush carpeting for ultimate comfort. Step outside to a private backyard featuring a covered patio & low-maintenance landscaping, perfect for effortless outdoor living. Enjoy indoor & outdoor pools, fitness center, sport courts, putting green & more.

41602 W Caliente Drive, Maricopa
$409,900
2 Beds ⋅ 2 Baths ⋅ 7001826 MLS ⋅ 1,600 SqFt.
Rarely does an opportunity arise to own a villa in one of Province's most desirable waterfront settings, where you'll enjoy front-row views of the sparkling lake, a picturesque nearby waterfall, and spectacular Arizona sunsets from the comfort of your own covered patio. This beautifully updated villa offers the perfect blend of luxury, comfort, and low-maintenance living in one of Arizona's premier 55+ resort communities. From the moment you step inside, your eyes are immediately drawn to the beautiful lake views beyond. Designed to maximize its exceptional location, both the great room and dining area feature sliding glass doors that open to the covered patio, creating a seamless connection between indoor and outdoor living. Whether you're sipping your morning coffee by the water, hosting family and friends around the built-in BBQ, gathering around the lakeside fire pit as the sun sets, or simply unwinding while taking in the peaceful scenery, this home offers the lifestyle so many buyers dream about. The open-concept kitchen has been thoughtfully enhanced with the addition of a center island, stainless steel appliances, convenient pull-out shelving, and abundant storage, creating the perfect space for cooking, gathering, and entertaining. This thoughtfully designed floor plan includes two bedrooms, two bathrooms, and a versatile den that easily serves as a home office, hobby room, or reading retreat. The spacious primary suite is a peaceful escape featuring beautiful lake views and a beautifully remodeled walk-in shower. Additional improvements include a professionally coated epoxy garage floor and a mini-split climate control system, creating a comfortable, versatile garage that's perfect for hobbies, projects, a home gym, or year-round comfort. As one of Province's sought-after villas, the HOA provides roof maintenance and replacement, exterior painting, and front yard landscaping, allowing you to spend more time enjoying the exceptional amenities and active lifestyle that make this community so special. Province offers true resort-style living with scenic catch-and-release lakes, more than five miles of walking and biking paths, nine lighted pickleball courts with a thriving social and competitive club, tennis, bocce ball, putting greens, a state-of-the-art fitness center, indoor lap pool, a resort-style outdoor pool, billiards, a library, arts and hobby studios, a computer center, and an impressive 32,000-square-foot clubhouse filled with clubs, classes, and year-round social activities. If you're searching for an exceptional waterfront home with breathtaking sunset views, thoughtful updates, and one of the community's most desirable lakefront locations, this is an opportunity you won't want to miss.

20598 N Lemon Drop Drive, Maricopa
$265,000
2 Beds ⋅ 2 Baths ⋅ 7000493 MLS ⋅ 891 SqFt.
Investors--this is the turnkey STR you've been waiting for. Fully furnished and cash-flowing, this townhouse sits in one of downtown Gilbert's few HOAs that allow short-term rentals. The bright great room features vaulted ceilings and natural light, flowing into an updated kitchen with modern cabinetry, stainless steel appliances, and a cozy screened-in balcony. The spacious primary suite includes a private bath, and the second bedroom is perfect for guests or a home office. All just steps from Gilbert's top dining, shopping, and entertainment.

413 E Linda Lane Unit D, Gilbert
$250,000
2 Beds ⋅ 2 Baths ⋅ 6998933 MLS ⋅ 1,156 SqFt.
Don't miss this beautifully updated condo with all the amenities of Dobson Ranch! Enjoy your new kitchen with soft-close shaker cabinets, new countertops, stainless steel appliances, tile backsplash, and new lighting, fresh paint throughout, new windows, new electrical panel, and bathroom renovations including plumbing updates. Enclosed loft space can be used as office or 3rd bedroom. Complex features a pool and spa, plus explore the 65 community spaces Dobson Ranch has to offer. Featuring 7 lakes, 4 pools, 3 recreation centers, pickleball courts, tennis courts, fishing, bike paths and walking paths all at your fingertips. With close freeway access to anywhere in the Valley you need to go, this move-in ready unit won't last long.

2040 S Longmore -- Unit 9, Mesa
$375,000
2 Beds ⋅ 2 Baths ⋅ 6998736 MLS ⋅ 1,321 SqFt.
Resort living at its finest, and it shows from the moment you arrive. This beautifully updated home in the heart of Encanterra Country Club sits on an oversized lot and has been thoughtfully upgraded, giving it a truly like-new feel. Fresh interior and exterior paint create a crisp, clean canvas, while the brand-new countertops and kitchen backsplash elevate the space with stylish, modern elegance. Light, bright, and easy to maintain with beautiful tile flooring throughout, you can start enjoying the Encanterra lifestyle right away. Perfectly positioned within close proximity to both clubhouses. World-class amenities await: Championship golf, resort-style pools, the Alvea Spa, pickleball, dining, and a packed social calendar.

36148 N Edelweiss Lane, Queen Creek
$379,900
1 Beds ⋅ 1 Baths ⋅ 6998719 MLS ⋅ 916 SqFt.
Urban LOFT living w/VIEWS in the heart of ASU at The Lofts at Orchidhouse. Highly secure building, steps from Mill Ave. Zoned for mixed-use, this Loft offers 1 bedroom, full bathroom, & in-unit laundry. Large enough for live/work, or as an office space. Open kitchen has gas range w/extended height steel back guard & vent hood, RO water system, two under-counter refrigeration/freezer units, granite counters. Beech colored cabinets & wood floor compliment the industrial aesthetic of exposed duct work & extended height concrete ceilings. Floor to ceiling windows bathe the loft in natural light & provide incredible views of Downtown Tempe. POOL, SPA and WORKOUT facilities available from the Residence Inn next door for small monthly fee. NEWER A/C. Private, gated owners parking, 24/7 security. Located within the Brickyard on Mill featuring retail, restaurants & more. Why this location?? Enjoy to all ASU's campus has to offer, take a hike on A Mountain, visit Tempe's best dining options, shop at Whole Foods, hop on the Metro Light Rail system, bike Tempe Town Lake & enjoy the urban living lifestyle. An incredible opportunity for true urban living!

21 E 6th Street Unit 608, Tempe
$248,500
2 Beds ⋅ 2 Baths ⋅ 6998492 MLS ⋅ 1,000 SqFt.
MESA LIVING MADE EASY! Welcome to this inviting ground-level CORNER townhome offering comfort, privacy & convenience! Featuring 2 bedrooms, 2 baths, a bright open living area with cozy fireplace, updated bathroom vanities & indoor laundry. Enjoy TWO sparkling community pools and beautifully maintained grounds just steps away. Ideally located near shopping, dining, parks, spring training, entertainment & freeway access. Perfect as a primary residence, seasonal getaway or lock-and-leave retreat. Some photos virtually staged.

930 N Mesa Drive Unit 1055, Mesa
$484,800
3 Beds ⋅ 2 Baths ⋅ 6997803 MLS ⋅ 1,570 SqFt.
Seller agrees to credit buyer upon COE to a 2-1 temporary interest rate buy down in lieu of a price reduction. Details available. Brand NEW HVAC system August 2026!! Completely repainted. Enter through your private courtyard to soaring ceilings & open concept living space. A bright & cheery kitchen w/white cabinetry & breakfast nook is surrounded by windows-perfect for your morning cup of coffee! Counter space for culinary adventures & the eat up bar area is perfect for serving holiday meals for a few or many. There is a large dining area adjacent to the living room. With its high ceilings & large patio doors, our AZ easy lifestyle beckons you. A quaint, easy care backyard has a back gate that connects w/grassy common area.click blue more The primary bedroom is very spacious w/room for an office space or reading area. 2 additional bedrooms complete this floorplan. Convenient Alta Mesa location. NE Mesa has easy access to the main transportation routes to Sky Harbor as well as Mesa Gateway Airports, lots of shopping, outdoor adventures, sports and cultural activities. This home is ready for an immediate move in, not a thing you need to improve upon. Just bring your moving van!!

5505 E Mclellan Road Unit 75, Mesa
$235,000
1 Beds ⋅ 1 Baths ⋅ 6997256 MLS ⋅ 924 SqFt.
Beautiful, meticulously maintained, fully furnished end unit condo open to large green space. All new windows, Newer roof, water heater and HVAV. No step shower and double sinks in bathroom. Kitchen includes granite countertops, new faucet, cabinetry hardware, stainless steel appliances and large pantry. Fresh paint in entire interior and plantation shutters in dining room. Keyless entry, patios include new exterior lighting and new screens on sliding door. Garage with ample storage cabinets. All this in the Premiere Gated Active Adult Community of Leisure World. 36 holes of private golf, tennis and pickle ball complexes, 3 heated pools, library, state of the art fitness center, crafts, billiard room etc just to name a few. Convenient to hwy 60, medical, shopping and restaurants.

56 Leisure World --, Mesa
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