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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

$404,900
3 Beds ⋅ 3 Baths ⋅ 7074503 MLS ⋅ 1,594 SqFt.
Pride of Ownership that Shows! This 3 bed, 2.5 bathroom Townhome is in a Prime Chandler location with easy access to the 202 freeway, shopping, and dining. This home also is close to Chandler Gilbert Community College, a short distance to downtown Chandler and downtown Gilbert as well as the Gilbert farmers market. Inside the home you will enjoy large-format neutral brown tile set on a diagonal pattern, a spacious family room with wood accent wall, and a large picture window overlooking the covered patio and grass common area. The kitchen features warm Maple Cabinets, SS appliances, Granite Countertops, and travertine backsplash. Upstairs opens to a spacious loft & split bedroom floor plan. The Primary suite features a walk-in closet and a full bath w/ extended vanity... The secondary bedrooms are generously sized and have easy access to the upstairs full bath. Other features include water softener hookup, R.O system under the kitchen sink, 2 car garage, indoor laundry, and community amenities such as a pool, spa, BBQ area, and playground. Residents also have easy access to Arbuckle Park, which offers pickleball, basketball, and large playground.

2600 E Springfield Place Unit 89, Chandler
$299,999
2 Beds ⋅ 3 Baths ⋅ 7074459 MLS ⋅ 1,152 SqFt.
Welcome to this gorgeous, move-in-ready 2-bedroom, 2.5-bath townhome nestled in a quiet, gated community. Enjoy resort-style living with access to a heated community pool, clubhouse, fitness center, playgrounds, and beautifully maintained common areas. The interior features tile flooring, custom accent paint, and 2'' blinds throughout. The eat-in kitchen boasts granite countertops, a breakfast bar, raised panel cabinets, smooth-top range, and a built-in microwave--perfect for dining and entertaining. Additional highlights include: a spacious laundry room, dual walk-in closets in the primary suite, a covered patio with an extended concrete pad for outdoor enjoyment, and 2 assigned parking spaces! This home offers comfort, style, and convenience all in one package!

7726 E Baseline Road Unit 154, Mesa
$350,000
3 Beds ⋅ 2 Baths ⋅ 7074375 MLS ⋅ 1,131 SqFt.
Updated, move-in ready & ideally located in Mesa! This inviting home features a beautifully updated kitchen completed in 2024 with white cabinetry, quartz countertops, breakfast bar, modern lighting & stylish backsplash. Updated bath features a tiled walk-in shower & contemporary finishes. Laminate flooring, abundant natural light & modern ceiling fans add to the home's fresh, comfortable feel. Enjoy a low-maintenance backyard with synthetic grass, covered outdoor space & mature shade tree. Features the covered gated car port & 1 car garage. Conveniently located near US-60 with easy access to Downtown Gilbert, Downtown Mesa, Tempe, Chandler, Scottsdale & Sky Harbor. Minutes from shopping, dining, Fry's, Sprouts, Trader Joe's & Natural Grocers. Community features a pool & playgrounds.

1823 E Jamaica Avenue, Mesa
$500,000
3 Beds ⋅ 3 Baths ⋅ 7074322 MLS ⋅ 1,794 SqFt.
Welcome to this UPDATED Fulton Executive home located in the prime Ocotillo area of Chandler! Feels like a model home. Offering an ideal location right across from the gated community pool and pickleball court. Over $55,000 in brand new upgrades including gorgeous wood-like wide plank flooring throughout, fresh interior paint, a newer energy-efficient Trane A/C (3 years), and all-new stainless steel appliances in the chef's kitchen. This highly sought-after floor plan features a convenient downstairs primary suite with two large closets. Upstairs has two extra bedrooms, a built in desk area and a large versatile loft - ideal for a home office, playroom, exercise area or 2nd family room. Enjoy a beautiful low maintenance backyard with no rear neighbor, backing to beautiful trees... private and peaceful setting. Professionally landscaped backyard has a lush turf area and a concrete patio perfect for your hot tub or storage shed. Open floorplan is flooded with natural lighting and soaring 10' ceilings. Finished two car garage with epoxy flooring. Lantana Village offers beautifully maintained landscaping, gorgeous greenbelts, a community pool, ramada's with BBQs, and pickleball/sport court. Low HOA fee of $160/month includes maintenance of the front yard and exterior paint with a fresh coat scheduled for 2027. Located in one of Chandler's high-growth areas, just 5 minutes south of the 202. Close to Paseo Vista Recreation Park featuring an archery range, dog park, walking and biking trails. Convenient access to Intel, the Price Corridor, shopping, dining, and more. A truly exceptional home in an unbeatable location!

3769 S Laurel Way, Chandler
$345,000
2 Beds ⋅ 2 Baths ⋅ 7074264 MLS ⋅ 1,239 SqFt.
Welcome home to effortless, modern living in an unbeatable location! This beautifully upgraded 2-bedroom, 2-bathroom townhome perfectly blends contemporary style with everyday convenience. The bright, open floor plan features brand-new custom paint and premium waterproof laminate flooring. The heart of the home flows seamlessly into the kitchen, where you can look out through the dining space directly onto your private covered patio. Both bathrooms have been fully modernized with new quartz countertops, under-mount sinks, updated faucets, and contemporary lighting. Stay cool and comfortable with a top-tier, 2-year-old AC unit and brand-new contemporary ceiling fans in every room. The attached 1-car garage comes equipped with a brand-new Chamberlain garage door opener. Located across from Intel, this unit is minutes from premier shopping, top-rated dining, and golf courses. This turn-key gem is perfect for professionals, investors, or anyone seeking a vibrant lifestyle. See it before it's gone!

295 N Rural Road Unit 142, Chandler
$275,000
2 Beds ⋅ 2 Baths ⋅ 7074021 MLS ⋅ 1,024 SqFt.
Recent upgrades include fresh paint (2022), new blinds (2023), all-new ceiling fans and lighting (2023), and window tints (2025), plus an insulated garage attic for added efficiency. Tucked inside a desirable gated community, this well-maintained home offers privacy, comfort, and low HOA fees. The split floorplan creates inviting living spaces with a peaceful atmosphere throughout. A standout feature is the private backyard, backing to a wash for extra privacy, with a covered patio, fountain, and fire pit adding even more separation and a quiet, secluded feel. Ideally situated near shopping, dining, and freeway access, this home is part of a clean, well-kept community with a community pool, delivering low-maintenance living in a secure, sought-after setting.

6610 E University Drive Unit 58, Mesa
$379,000
2 Beds ⋅ 2 Baths ⋅ 7073908 MLS ⋅ 1,502 SqFt.
***GORGEOUS...MOVE-IN READY...MINT CONDITION...SINGLE STORY...2 Bed/2Bath TOWNHOME in NE MESA*** Located in the highly sought-after Sunland Springs Village 55+ Community, this luxurious OPEN FLOOR PLAN condo INCLUDES MOST FURNISHINGS (on a separate bill of sale), offers a SPLIT FLOOR PLAN & is LOADED w/ UPGRADES like NEW ROOF, PLANTATION SHUTTERS, NEW APPLIANCES, TILE FLOORING, NEW FIXTURES & so much more!! Finishing touches include a PRIVATE OUTDOOR PATIO, 2-CAR GARAGE w/ BUILT-IN CABINETRY & lots of storage space!! Perfect for WINTER VISITORS & YEAR-ROUND RESIDENTS ALIKE, this unit is meticulously kept from top to bottom. Sunland Springs Village offers amazing amenities & facilities like TENNIS, PICKLEBALL, GOLF, WORKOUT FACILITIES, LIBRARY, CRAFTS, BILLIARDS & SO MUCH MORE!!

11360 E Keats Avenue Unit 70, Mesa
$450,000
2 Beds ⋅ 3 Baths ⋅ 7073907 MLS ⋅ 1,484 SqFt.
***RARE GOLF COURSE TOWNHOME*** Don't miss the AMAZING GOLF COURSE & LAKE VIEWS in this STUNNING, MOVE-IN READY, MINT CONDITION, SINGLE STORY Townhome in ALTA MESA PARKLINKS commuinty in NE Mesa!! Available FULLY FURNISHED, it's LOADED w/ UPGRADES like GRANITE COUNTER TOPS, 42'' CUSTOM CABINETS, WOOD-LOOK TILE FLOORS, NEW AC, (2025), NEW HOT WATER TANK (2024) ,NEWER ROOF (2020). The OPEN FLOOR PLAN features LOTS OF UPGRADED WINDOWS for INCREDIBLE NATURAL LIGHTING & AMAZING VIEWS. Step outside & take in the BREATH-TAKING GOLF COURSE & LAKE VIEWS from your TILED, COVERED PATIO & SYNTHETIC TURF YARD perfect for entertaining! This RARE CORNER UNIT features HEATED COMMUNITY POOL & SPA steps from your front door!! Easy walk through private community gate to parks, shopping, restaurants & more! ***5445 E, McKellips,Unit 28 --Highlights and Extras!!*** -BUILDERS UNIT...with FULL SCALE KITCHEN RENOVATION with Granite Counter Tops -CORNER UNIT-only ONE Shared Wall -1484 Square Foot, 2 Bed/2.5 Bath-SINGLE STORY, OPEN FLOOR PLAN -"Wall of Windows" with GORGEOUS 180 Degree View of Golf Course and Lakes -Available FULLY FURNISHED -Newer Roof (2020) with Fully Transferable Warranty -Newer HVAC (2025) with Fully Transferable Warranty ($250 Fee) -Newer Water Heater (2024) -New Energy Efficient Windows (2016) w/ Transferable Lifetime Warranty -Tile Flooring in all areas but Bedrooms -Tiled Covered Patio with Wet Bar/Storage & Synthetic Turf Area -Wet Bars in Living Room & Primary Bedroom -Guest Bedroom features Private en suite Bathroom -INDOOR LAUNDRY- Commercial Quality Washer & Dryer -2 Car Garage PLUS 2 Car Driveway Parking -Heated Pool & Spa just steps from your front door -Dog exercise area adjacent to the unit -Truly Nolan Termite Protection Warranty Fully Transferable ($75 Fee) -Vivint Home Security System Included (monthly monitor service additional) -Private Community Gate Exit to Alta Mesa Park & Restaurant areas

5445 E Mckellips Road Unit 28, Mesa
$339,990
2 Beds ⋅ 3 Baths ⋅ 7073882 MLS ⋅ 1,272 SqFt.
Updated and move-in ready 2-bedroom, 2.5-bath townhome in Chandler, AZ, offering comfort, style, and convenience. Featuring updated flooring throughout, this inviting home offers a bright and functional layout with spacious living areas and a well-appointed kitchen with ample cabinet and counter space. The two bedrooms provide comfortable living space, with the primary bedroom offering added privacy and convenience. Enjoy easy parking with 1 dedicated slab parking space. Conveniently located near shopping, dining, parks, schools, and major roadways, this townhome offers a great combination of modern updates, functionality, and everyday Chandler living.

500 N Roosevelt Avenue Unit 59, Chandler
$289,900
2 Beds ⋅ 2 Baths ⋅ 7073875 MLS ⋅ 975 SqFt.
Lake Community Living! Vaulted Ceilings + Resort Amenities. Welcome to this charming 2-bedroom townhome in highly sought-after Beach Club Village at Val Vista Lakes! Step inside to bright, open living spaces featuring soaring vaulted ceilings, wood-look flooring, abundant natural light, and a neutral palette that creates a warm, inviting feel. The well-appointed kitchen offers oak cabinetry, a spacious peninsula, and plenty of prep space--perfect for everyday living or entertaining. The primary suite includes a walk-in closet and dual sinks for added comfort. Enjoy your morning coffee or unwind on the private patio. Residents enjoy resort-style amenities including a pool, spa, lake access, tennis courts, and more. Conveniently located near shopping, dining, and freeway access.

1633 E Lakeside Drive Unit 66, Gilbert
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