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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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Step 1: SHOULD YOU BUY A HOME IN ARIZONA?

Is it the right time for you to buy a home in Arizona and are you ready?

Is It a Good Time to Buy a Home in Arizona?

In general, YES!

Why? …

Because there are still a lot of affordable places to live in Arizona.

Although Arizona home prices have increased, there are still many affordable urban and rural Arizona communities that have a reasonable cost of living, lower median home value and good affordability ratio.

Because interest rates are still incredibly low on a 30-year fixed mortgage.

In fact, rates are at or near an all-time low. Therefore, you can lock in a low payment for the life of the loan. This means that right now, owning a home is very affordable and it is easier to qualify for a mortgage.

Consider this: For a loan amount of $150,000 your payment goes up about $90 a month for every 1% increase in rate. That difference is the equivalent of about 2% of the median income in Arizona. Think of it this way, that’s just under the amount of the average annual employee raise.

Because homes in Arizona are going up in value. This will help you build wealth.

Buy a Home in ArizonaAccording to Zillow, the average house is expected to increase in value by just over 4% in the next year. So, for example, if you buy a home for $150,000 you should gain a little over $6000 in equity just in the next year. And it could be more.

“Homeownership plays a pivotal role in the U.S. economy and has historically been one of the primary sources of wealth accumulation for middle class families,” – Lawrence Yun, NAR Chief Economist

With that said, it is likely that either you or someone you know lost their home – or their equity – in the past decade’s financial crisis. Many people learned that home values don’t always go up. Home values fluctuate; they go up, down and stay flat. Nevertheless, most people agree that, even when adjusting for inflation, home values increase to over time.

Bottom Line: If you are currently renting and you really want to own a home in Arizona, this is an incredible time to buy.

Why Buy a Home Instead of Renting?

When you’re renting, you’re paying someone else’s mortgage. Owning a home has many benefits.

If you rent, you are helping someone else obtain the benefits of home ownership.

Consider this example:

1300 sqft home in Arizona1300 square foot home with 3 bedrooms and 2 bathrooms in Avondale, AZ.

Rent This Home:

Monthly Payment: $1050

Rent paid after 1 year: $12,600

Rent paid after 3 years: $39,722 (1)

Rent paid after 5 years: $69,623 (1)

Total Tax Savings: $0.00

Total Equity Gained: $0.00

Buy This Home:

Purchase Price: $154,600

Monthly Payment: $1,110 (2)

Total Payments after 1 year: $13,320

Total Payments after 3 years: $40,204 (3)

Total Payments after 5 years: $67,441 (3)

 

Tax Deductions after 1 year: $1,675 (4)

Tax Deductions after 3 years: $4,941 (4)

Tax Deductions after 5 years: $11,095 (4)

 

Equity Gained after 1 year: $13,242 (5)

Equity Gained after 3 years: $31,540 (6)

Equity Gained after 5 years: $51,396 (6)

 

(1) assuming rental increase of 5% per year

(2) Principal, Interest, Tax, Insurance and HOA

(3) assuming property tax increase of 5% per year

(4) assuming 25% tax bracket.

(5) assuming 3% down payment* + 4% appreciation + principal paid)

* find out how to buy your home with no money out of pocket

(6) assuming 4% appreciation + principal paid

As demonstrated, buying a home in Arizona builds wealth more times than not.

Finally, with all things considered, it just feels good to own your own home.

Why Should You Not Buy?

Before you begin the home buying process, you should determine if owning a home in Arizona is right for you.

We’ve discussed that, generally speaking, it is a great time to buy a home in Arizona. But why should you not buy? To answer this, you need to review your personal situation, your goals and your lifestyle. A realistic personal assessment may reveal that home ownership is not right for you or you might want to delay the process. Your personal and financial priorities will determine what’s best for you.

Don’t Buy Before You’re Ready

Ask Yourself the Following:

“Is it a good time for me to buy a home in Arizona?”

“Am I better off buying than renting?”

“Do I know the pros and cons to buying a home?”

“Do I understand all of the costs to buy and own a home?”

“Is my employment stable and is my income steady?”

“Do I have a budget? Can I afford the house I want?”

Don’t Buy if You Don’t Want the Responsibility of Owning a Home

Be aware that buying a home may bring unwanted responsibilities such as maintenance and repairs.

Ask Yourself the Following:

“Do I want to maintain my yard and pool?”

“Do I want to have to make repairs for common household problems such as holes in the drywall, broken door locks, clogged drains and leaky faucets?

“Can I afford larger household expenses such as replacing the carpet, repairing the roof, replacing the AC unit?”

Don’t Buy if You Move A Lot

Owning a home can tie you down. Don’t buy if you don’t want that.

Here is more information if you are still wondering if you should rent or buy a house in Arizona?

Free Advice from Professionals is Available … Ask A Lot of Questions

Buying a home is the single largest purchase that you are likely to make, and if you’ve never bought a home before, you probably have more questions than answers.

“Smart people ask questions about buying a home in Arizona because it saves them money.”

Don’t be afraid to ask a lot of questions, even if you think it should be something you know. The home buying process can have a lot of pitfalls. It’s possible that you already know a lot about what it takes to buy a home; that’s great. But ask questions because you may not know what you don’t know.

Legal Disclaimer

This home buyer series is intended to provide general information regarding the process of how to buy a house in Arizona. It is not intended to provide buyers with legal, accounting or financial advice. You are advised to seek the services of a skilled professional this those fields.

Additionally, this home buyer series does not set forth all qualification criteria for any of the loans described herein; all interested persons must successfully meet qualification criteria and complete the application process to obtain such loans.

HOMES WE CAN HELP YOU FINANCE

$419,000
4 Beds ⋅ 3 Baths ⋅ 7030807 MLS ⋅ 1,701 SqFt.
Beautifully maintained by the original owner and never used as a rental! This premium floorplan includes a full bedroom/office on the first floor, perfect for guests, multi-generational living, or working from home. Fresh new interior paint, brand new stainless steel microwave and range. Enjoy high ceilings extending from the second to third floor, creating an open and bright atmosphere throughout. The spacious third floor offers a large loft with endless possibilities for entertainment, game room, or additional living space. Conveniently located just minutes from Chandler Fashion Center, wholesale stores, grocery shopping, dining, and easy access to Loop 101 and Loop 202 freeways. A rare opportunity to own a spacious and well-cared-for home in an excellent location!

900 S 94th Street Unit 1188, Chandler
$275,000
3 Beds ⋅ 2 Baths ⋅ 7030094 MLS ⋅ 1,118 SqFt.
MOTIVATED SELLER! JUST REDUCED! Beautifully updated 3-bedroom townhome featuring a highly desirable floorplan with one bedroom conveniently located on the main level complete with its own en suite bathroom -- perfect for guests, multigenerational living, or a private office setup. The stylish kitchen has been thoughtfully updated with sleek quartz countertops, white cabinetry, and modern floating shelves, creating a bright and inviting space that flows seamlessly into the main living areas. Cozy up by the fireplace in the living room, while upstairs the spacious primary suite also features its own fireplace for an added touch of warmth and charm. Additional highlights include in-unit laundry, a private and cozy enclosed patio perfect for relaxing and a dedicated 1-car carport

510 N Alma School Road Unit 210, Mesa
$440,000
2 Beds ⋅ 2 Baths ⋅ 7029690 MLS ⋅ 1,538 SqFt.
Experience resort-style living in the highly sought-after community of Encanterra Golf & Country Club. This beautifully designed Resort Collection Evia model offers the perfect blend of efficiency, comfort, and low-maintenance lock-and-leave living. Featuring 2 bedrooms plus a flexible den space, this thoughtfully designed floorplan lives larger than its footprint with open-concept living and smart use of space throughout. Encanterra residents enjoy a true resort experience with world-class amenities including championship golf, resort pools, fitness center, pickleball, member clubs, events and concerts. On site private dining at Palma Tap and Kitchen. This community offers a lifestyle unmatched in the southeast valley.

292 E Las Puertas Lane, Queen Creek
$299,500
3 Beds ⋅ 2 Baths ⋅ 7029422 MLS ⋅ 1,081 SqFt.
***Motivated Seller*** Beautiful 3 bedroom 2 full bath Condo in Tempe right next to ASU Campus! Freshly Painted, New Flooring, Community Pool, Raised panel cabinets and a breakfast bar. Walk to Resturants ,close to shopping shops on Mill Ave. This is one of a kind floor plan on the 2nd floor with balcony.

510 W University Drive Unit 208, Tempe
$329,900
3 Beds ⋅ 2 Baths ⋅ 7028802 MLS ⋅ 1,571 SqFt.
Welcome to resort-style living in the prestigious gated community of Province -- an exclusive active adult neighborhood offering 24-hour guarded security, incredible amenities, and a vibrant lifestyle. This absolutely stunning 1,500+ square foot home combines comfort, elegance, and low-maintenance living in one beautifully designed package. Inside, you'll find soaring 9-foot ceilings, three spacious bedrooms, and two full bathrooms thoughtfully laid out for both everyday comfort and entertaining. Tasteful ceramic tile and luxury vinyl flooring throughout provide beauty and easy maintenance. The spacious primary suite is a peaceful retreat featuring a charming bay window overlooking the private backyard, while the en suite bathroom offers dual sinks, a spacious shower, and an oversized walk-in closet. The heart of the home is the expansive family room, kitchen, and dining area -- ideal for relaxing evenings or hosting family and friends. A cozy gas fireplace adds warmth and ambiance during Arizona's cooler months. The beautifully upgraded kitchen features rich cherry wood cabinetry with pull-out drawers in all lower cabinets, abundant granite countertop space, and plenty of room for cooking and entertaining. The dining area easily accommodates a large table and offers lovely views of the patio and backyard oasis. The two-car garage, conveniently accessed through the laundry room, includes extensive built-in cabinetry and attractive epoxy flooring for a clean, organized appearance. Step outside to your private patio and lush backyard retreat where colorful landscaping creates a serene desert oasis perfect for relaxing mornings or evening gatherings. Additional upgrades including sunscreens, whole-house water filtration, and a reverse osmosis system enhance the efficiency and comfort of this exceptional home. Living in Province means enjoying world-class amenities designed for an active and social lifestyle. Residents have access to media rooms, game rooms, a library, pickleball and tennis courts, indoor and outdoor pools, a heated spa, fitness center, and countless community activities that make it easy to connect with neighbors and stay active year-round. Even better, the HOA assessment includes roof maintenance, exterior home maintenance, and front yard landscaping -- giving you more time to enjoy everything this incredible community has to offer. This is more than just a home -- it's the lifestyle you've been waiting for.

41975 W Ellington Lane, Maricopa
$280,000
2 Beds ⋅ 2 Baths ⋅ 7028699 MLS ⋅ 1,336 SqFt.
Beautifully maintained property in a highly sought-after North Mesa townhome community! The kitchen offers oak cabinetry, newer countertops, black appliances, built-in microwave, and refrigerator included. Wood flooring in main living and carpet in bedrooms. Spacious primary suite with walk-in closet. Major updates include A/C replaced in 2017 and water heater in 2016. Attached 2-car carport plus TWO storage sheds provide excellent storage. Enjoy the private courtyard with tiled flooring, pergola, and lush plants. Screen doors, washer, dryer, and fridge all convey! Resort-style community amenities include clubhouse, pool, basketball court, playground, mature trees, and greenbelts. Prime location near the 202, 101, Tempe, Scottsdale, and ASU!

1550 N Stapley Drive Unit 79, Mesa
$299,900
3 Beds ⋅ 2 Baths ⋅ 7028514 MLS ⋅ 1,400 SqFt.
**Priced Right & Perfectly Located!** Now is the time to take another look at this beautifully maintained 3-bedroom, 2-bath townhome in a gated Mesa community! With school back in session and everyday routines in full swing, this location makes life easy--just minutes from Mesa Riverview, Tempe Marketplace, Sloan Park, ASU, MCC, Banner Desert, Loop 101, US-60, and Sky Harbor. Inside, enjoy a spacious open living area, sleek two-tier breakfast bar, granite countertops, stainless steel appliances, and a primary suite with walk-in closet and spa-like shower. Step outside to your private balcony or enjoy the sparkling community pool. An attached garage adds everyday convenience. **Great location, move-in ready, and priced right--this is one you won't want to miss!**

805 S Sycamore Street Unit 203, Mesa
$355,000
3 Beds ⋅ 3 Baths ⋅ 7028280 MLS ⋅ 1,704 SqFt.
Freshly painted, all wooden flooring and no carpet. Two car assigned parking and walkable distance to shopping area. Close to aldi, fry's Walmart and lot of other areas. Close to ASU and good for college students if they want to share the rooms.

3320 S Juniper Street, Tempe
$479,900
2 Beds ⋅ 2 Baths ⋅ 7028188 MLS ⋅ 1,342 SqFt.
This absolutely STUNNING, one of a kind, designer Loft at the Orchidhouse shows as well as it did when it was featured in 'Desert Living' Magazine! Offering Downtown Tempe living at it's absolute finest, this 2 bedroom, 1.5 bathroom, modern dwelling places you right in the heart of shopping, dining, theatre, sports, and the cultural center! Completely Move In Ready... wood style flooring and tile installed throughout. Boasts a modern glass waterfall fountain! This is a must see loft for any clients with modern design taste! Mere moments away from Mill Avenue, Tempe Town Lake, the Light Rail, and Mill Ave Streetcar, this loft is certainly one of the nicest in Downtown Tempe, if not the entire valley!!

21 E 6th Street Unit 510, Tempe
$289,000
2 Beds ⋅ 2 Baths ⋅ 7028028 MLS ⋅ 999 SqFt.
4.5 miles to ASU! FULLY FURNISHED all appliances included! If buyer prefers, furnishings can be removed, buyers choice. Beautifully updated 2 bed, 2 bath ground-floor, corner. Turn key unit was completely remodeled in 2022 offering an open layout with vaulted ceilings, fireplace and tile floors throughout plus a stacked washer/dryer. Kitchen has stainless steel appliances, granite counters with a pantry. Private covered patio, attached 1-car garage, new HVAC installed in 2022 and just serviced in May 2026, and low-maintenance living with no exterior upkeep. Rec center, fitness center, pool, and spa. Conveniently located near shopping, dining, freeway access, airport and ASU. Perfect for seasonal living, first time home buyer or investors seeking low maintenance and a great valu

2333 E Southern Avenue Unit 1073, Tempe
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