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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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USDA Loans Arizona

Did you know you can buy a home with no money down with a USDA Loan in Arizona? Many people have heard of the FHA and VA loan programs but are not aware of a third “government loan program” that is available to Arizona home buyers.

"The USDA home loan program is a great program for people looking to buy a home in Arizona with little to no money down.

True to their name, USDA loans were created to help potential low- to moderate-income homeowners in rural areas. This includes many areas on the outskirts of some of Arizona’s larger cities where many of the most affordable homes are located.

Arizona USDA loans are intended to help people living in Arizona’s rural communities to achieve home ownership. They are a popular loan with recent college graduates, newly formed households, low-to-moderate income earners, first time home buyers and those who have had past credit challenges.

USDA Loans Arizona Closing Cost Assistance

An Arizona USDA Loan almost always is offered with 100% financing. However, this does not necessarily mean that you will not to bring cash to close. There are closing costs associated with the loan as well as prepaid items like interest, taxes and insurance. The good news is that Arizona USDA down payment assistance programs offer sufficient grant money to cover the majority of these costs so you can buy your home with as little out of pocket as possible.

The following are Arizona USDA Loan Highlights:

  • No down payment requirement
  • Competitive interest rates.
  • Can be combined with Arizona down payment grants to cover your closing costs.
  • No first time homebuyer restrictions.
  • Flexible underwriting guidelines make it easier to qualify than other Arizona loan programs.
  • No minimum cash contribution requirement
  • Seller concessions and 100% gifting is allowed

With a USDA home loan in Arizona, you can purchase a home with no money of your own into the transaction.

USDA Home Plus Loan Program

As mentioned, Arizona USDA loans are a great government loan program that offer 100% financing. The grant money from the Home Plus program is instead used to cover closing costs. As such, there is no down payment required. They are a great way to buy a home in Arizona with no money out of pocket. Home Plus USDA Loan Programs are offered anywhere in Arizona other than Maricopa and Pima Counties.

Program Highlights:

  • Down payment assistance offered up to 2%.
  • Minimum FICO score is 640.
  • Maximum debt-to-income of 45%
  • Maximum income of $105,291

Who Can Buy a Home in Arizona with a USDA Loan?

Anybody who plans to occupy a home located in an eligible rural area in Arizona as their primary residence may qualify for a USDA loan. Eligibility is based on the homes location. USDA offers the ability to see if a property is eligible for USDA financing here.

Waiting Periods – USDA Loans Arizona

The following are the standard USDA waiting periods for the major derogatory credit events.

  • Arizona USDA home loan after bankruptcy: The waiting period for getting an USDA loan after a chapter 7 bankruptcy is 3 years. The waiting period for getting an USDA loan after a chapter 13 bankruptcy is 1 year.
  • Arizona USDA home loan after foreclosure: The waiting period for getting an USDA loan after a foreclosure is 3 years after the foreclosure.
  • Arizona USDA home loan after short sale: The waiting period for getting an USDA loan after a short sale is typically 3 years.

FHA | VA | CONVENTIONAL

HOMES WE CAN HELP YOU FINANCE

$325,000
3 Beds ⋅ 3 Baths ⋅ 7078314 MLS ⋅ 1,437 SqFt.
BRAND-NEW A/C + 10-YEAR WARRANTY! TURNKEY & MOVE-IN READY! Enjoy comfort and peace of mind in this beautifully renovated Mesa townhome. The brand-new A/C system with a 10-year warranty is a standout upgrade, while the refreshed kitchen shines with brand-new cabinetry, ample counter space, and stainless-steel appliances. Fresh interior paint, luxury vinyl plank flooring, upgraded carpet, modern blinds, contemporary lighting, and stylish ceiling fans create a polished, inviting feel. Updated bathrooms feature sleek fixtures and clean finishes. Beautifully upgraded, worry-free, and ready for you--this is Mesa living at its best!

2455 E Broadway Road Unit 130, Mesa
$369,900
2 Beds ⋅ 2 Baths ⋅ 7078298 MLS ⋅ 1,120 SqFt.
Welcome to this stunningly fully updated 2 bed 2 bath home just steps from the community pool located in the desirable Pepperwood Townhomes community. Conveniently located near restaurants, shopping, and more. This thoughtfully renovated DESIGNER GRADE home features a NEW kitchen, NEW flooring, NEW quartz countertops, beautifully tiled showers, and stylish finishes throughout. Completely refreshed and move-in ready. A must see home in an excellent location!

5306 S Farmer Avenue, Tempe
$350,000
3 Beds ⋅ 2 Baths ⋅ 7078207 MLS ⋅ 1,368 SqFt.
Awesome townhouse in the heart of South Tempe! Enjoy easy Tempe lifestyle living with a community pool perfect for cooling off during the Arizona summers and a convenient location near Target, shopping, dining and more. Inside, you'll find a desirable split floorplan with 3 bedrooms, 2 full bathrooms and an inviting great room. Newer wood-look flooring adds a fresh, modern feel, while newer AC provides added peace of mind. Fresh exterior paint gives the home great curb appeal. Step outside to your cozy, private pavered patio,the perfect spot to relax at the end of the day and take in those beautiful Arizona cotton-candy sunsets. A wonderful opportunity in South Tempe in deseriable Tempe school district. Close to freeway access. Welcome home!

5205 S Hazelton Lane, Tempe
$450,000
2 Beds ⋅ 3 Baths ⋅ 7078188 MLS ⋅ 1,549 SqFt.
Beautiful townhome nestled in the heart of the vibrant Gilbert lifestyle. Offering 2 bedrooms, 2.5 bathrooms and an open and spacious floor plan. This home is filled with natural light and is thoughtfully laid out. The kitchen is the showstopper, with ample storage space, dual islands, a RO system and a seamless flow into the main living area. With a freshly painted interior, new flooring and no carpet throughout, it has a clean and new feel. The top floor features both the primary and guest suites. The primary suite includes a large walk-in closet and private en-suite bath with dual sinks. This gated community has fantastic amenities to enjoy- pools, parks, walking paths and lush landscaping. Ideally located minutes from SanTan Village, Costco, Sprouts and an abundance of

1671 E Dogwood Lane, Gilbert
$200,000
2 Beds ⋅ 1 Baths ⋅ 7078121 MLS ⋅ 784 SqFt.
Welcome to this 2-bedroom, 1-bath townhome in the desirable Skyview Mesa community! The bright living room features tile flooring and a large window that fills the space with natural light. The spacious eat in kitchen offers plenty of room to prepare and enjoy meals. Step outside to your large private patio--perfect for relaxing, entertaining, or weekend cookouts--or take advantage of the sparkling community pool. Conveniently located near the Superstition Freeway, Mesa Community College, The Lightrail, Banner Desert Hospital, Southern Palms Shopping Center, Shalimar Golf Club, and a variety of parks and recreational destinations. Come discover the comfort, convenience, and easy-care lifestyle this home has to offer!

830 S Dobson Road Unit 50, Mesa
$349,500
2 Beds ⋅ 3 Baths ⋅ 7078100 MLS ⋅ 1,119 SqFt.
Designer-renovated and meticulously maintained, this stylish two-bedroom, two and 1/2 bath condominium is a true showpiece. The beautifully updated interior features quartz countertops, a Bosch dishwasher, a stainless steel refrigerator, wood-look laminate plank flooring, and a versatile office nook ideal for working from home. Enjoy the warmth of the fireplace, a private downstairs patio, and upgraded upstairs balconies. Additional upgrades include an updated water heater and updated HVAC units. Thoughtfully designed for both comfort and everyday living, this move-in-ready home offers the perfect combination of style, convenience, and location.

1222 W Baseline Road Unit 143, Tempe
$300,000
2 Beds ⋅ 3 Baths ⋅ 7078085 MLS ⋅ 1,120 SqFt.
INVESTORS this is the home for you! Tenant occupied and lease in place! This Lovely Chandler 2 BR, 2.5 bath, 2 story townhouse. 2 Master BR's. Granite countertops, fireplace, newer washer, dryer, fridge, microwave and water heater. HVAC new in May 2020 as well. One of the BR's has barn doors hiding the large closet. Community pool. Close to a ton of retail and restaurants and just a couple miles from awesome downtown Chandler and it's breweries, nightlife and fun festivals.

1961 N Hartford Street Unit 1061, Chandler
$295,000
2 Beds ⋅ 3 Baths ⋅ 7078056 MLS ⋅ 1,184 SqFt.
INVESTORS this is the home for you! Tenant occupied and lease in place! Beautiful 2 BR, 2.5 bath two-story townhouse. Two master BR's. Fireplace. Granite countertops, undermount kitchen sink, Matching black kitchen appliances; cook top stove. Washer/dryer/fridge all included. Ceiling fans throughout. Small private yard. Quiet area towards the back of the complex. Beautifully maintained, sparkling community pool (see pictures). Great public and charter schools in the area. Close to downtown Chandler.

1961 N Hartford Street Unit 1101, Chandler
$475,000
3 Beds ⋅ 3 Baths ⋅ 7077986 MLS ⋅ 1,950 SqFt.
Some homes simply make life easier--and this beautifully enhanced Avaton is one of them. Tucked into the heart of Encanterra, this residence puts you remarkably close to the community's two clubhouses, making it easy to step out your front door and into the social, active lifestyle you've been looking for. Inside, the home has been thoughtfully transformed with approximately $120,000 in owner-selected improvements. New luxury vinyl flooring sets a fresh, sophisticated foundation, complemented by white shaker cabinetry, upgraded countertops, an enhanced appliance package and built-in speakers that make the home feel polished without sacrificing warmth. The open great room is the natural gathering place, flowing seamlessly into the chef's kitchen and creating a layout that works just as beautifully for a quiet morning at home as it does for entertaining friends. The owner's suite is conveniently located on the main level, offering privacy and ease, while the upper level introduces an entirely different dimension to the home. A spacious loft and additional bedroom can become whatever your life calls for--a private guest retreat, creative studio, fitness space, media lounge or simply a place to disappear with a good book. The flexibility is yours. And perhaps the greatest luxury is what you don't have to do. This is a home designed for low-maintenance living, allowing you to spend less time on upkeep and more time enjoying everything Encanterra has to offer. Golf, dining, recreation, fitness, social gatherings and endless opportunities to enjoy the Arizona sunshine are all part of the experience. Here, the lock-and-leave lifestyle doesn't mean giving something up--it means gaining more time to enjoy the life you've worked for. Welcome to the easy side of Encanterra.

845 E Silversword Lane, Queen Creek
$327,000
3 Beds ⋅ 2 Baths ⋅ 7077600 MLS ⋅ 1,116 SqFt.
THIS IS IT!!!!GREAT INVESMENT OPPORTUNITY WITH GREAT PONTENTIAL !!! LOCATION!!!LOCATION!!!LOCATION!! GREAT DESIRABLE NEIGHBORHOOD!! NICE AND COMFORTABLE OPEN SPACE WITH VAULTED CEILINGS!! DO NOT LOOSE THIS OPPORTUNITY!!

876 S Nebraska Street Unit 10, Chandler
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