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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

$240,000
2 Beds ⋅ 2 Baths ⋅ 7076448 MLS ⋅ 987 SqFt.
Light, bright and move-in ready! This charming 2-bedroom, 2-bath single-level Tempe townhome offers 987 sq ft of comfortable, easy-care living. Multiple skylights fill the home with natural light, creating an open and inviting feel throughout. The kitchen features newer appliances, making this home an easy choice for an owner-occupant or a great addition to an investment portfolio. Enjoy community amenities including a pool, spa, clubhouse and tennis court. Ideally situated near ASU, Tempe Marketplace, shopping, dining and easy freeway access, putting everything Tempe has to offer within easy reach. Whether you're looking for a low-maintenance place or an investment opportunity in a desirable Tempe location, this one is worth a look!

2451 E 7th Street, Tempe
$365,000
3 Beds ⋅ 3 Baths ⋅ 7076417 MLS ⋅ 1,463 SqFt.
Welcome to Sanctuary on Higley, where newer construction, low-maintenance living and a convenient East Mesa location come together! Built in 2018 and offered by its original owner, this well-maintained 3-bedroom, 2.5-bath END-UNIT townhome offers the added privacy of sharing just one common wall, along with a private gated front patio and attached rear-entry 2-car garage. Inside, the bright, open-concept main level features tall ceilings, neutral finishes and tile flooring throughout the main living areas. The kitchen is the heart of the home with white cabinetry, granite countertops, stainless steel appliances, ample storage and a breakfast bar overlooking the dining and living spaces. Upstairs you'll find all three bedrooms, including a spacious primary suite with dual sinks, private bath and walk-in closet, plus a conveniently located laundry room and ceiling fans in every bedroom. Enjoy Arizona living from your private front patio or cool off at the community's gated pool and BBQ area. Sanctuary on Higley sits directly adjacent to Mesa's Enid Park, offering green space, playgrounds, basketball and sand volleyball courts just outside the community. The location is hard to beat! Just minutes from A.T. Still University, Banner Gateway Medical Center and Banner MD Anderson Cancer Center, plus nearby shopping, dining, entertainment and golf at Superstition Springs and Dana Park. Quick access to the US-60 makes getting around Mesa, Gilbert and the East Valley easy. With newer construction, only one shared wall, a 2-car garage, community pool and an excellent East Mesa location, this home offers an appealing combination of privacy, convenience and low-maintenance living.

5225 E Enid Avenue Unit 118, Mesa
$330,000
2 Beds ⋅ 2 Baths ⋅ 7076401 MLS ⋅ 1,209 SqFt.
Welcome home to this stunning, remodeled 2-bedroom, 2-bathroom townhome offering the perfect blend of style and comfort. Enjoy breathtaking Arizona sunsets from your elevated private terrace, complete with beautiful views of Camelback Mountain. Inside, the thoughtfully updated kitchen features crisp white cabinetry and an extended banquet area, creating the perfect setting for casual meals or dinner parties with friends. The inviting living room features a cozy fireplace, ideal for relaxing or entertaining. Two covered parking spaces are conveniently located directly below the home. Step outside and enjoy the community pool and nearby walking/running path, while an unbeatable location puts you close to ASU, Sloan Park, restaurants, grocery stores, & the movies!

1500 W Rio Salado Parkway Unit 34, Mesa
$360,000
2 Beds ⋅ 2 Baths ⋅ 7076304 MLS ⋅ 1,287 SqFt.
Beautifully redesigned waterfront unit in the landings at Dobson Ranch. This two bedroom, two bath townhome features and exclusively reimagined kitchen with an expanded footprint, raised ceiling, premium cabinetry, exceptional storage, added custom peninsula, quartz countertops, full height glass tile backsplash and KitchenAid appliance suite. Additional upgrades include wood tile throughout, extra tall baseboards, remodeled hall bath, and upgraded laundry storage. The vaulted living area features exposed beams, clerestory windows, and wood-burning fireplace. Enjoy lake views from the fully screened patio, which has curtains for additional privacy to make your outdoor living space even more secluded. Plus a two car garage. A thoughtfully renovated home combining design quality functionali y and a beautiful waterfront setting.

2256 W Lindner Avenue Unit 27, Mesa
$299,999
2 Beds ⋅ 2 Baths ⋅ 7076231 MLS ⋅ 960 SqFt.
This Beautiful totally remodeled 2bd/2bath townhome is in a highly desired location-close to I-10, I-60 and the Red Mtn Freeways. Just 1 block from the Cubs Spring Training Baseball Park. Also close to Tempe Marketplace & Mesa Riverview Shopping. This gorgeous end unit has a private enclosed patio and newly remodeled bathrooms & showers. All new floors, new carpet and tile. New neutral paint through out and a newly enclosed private upstairs bedroom with a large walk in closet. This wonderful community has free covered assigned parking, a pool, hot tub, drinking water, garbage & landscaping maintenance included in the HOA monthly fee. Don't MISS OUT on this one!

602 N May Street Unit 49, Mesa
$370,000
2 Beds ⋅ 2 Baths ⋅ 7076084 MLS ⋅ 1,344 SqFt.
Charming 2 bedroom 2 bath 2 car garage townhome that has been freshly painted on the interior. New carpeting and new blinds and New AC as of 8-31-2026. Property features lots of storage. Both bedrooms have large master closets! There are many new light fixtures and ceiling fans throughout. Home features tile in the eat in kitchen, hallways and bathrooms. All appliances are included. Private yard with no neighbors behind and spacious covered patio. Easy care landscaping. HOA takes care of front yard, roof and exterior of the building. This charming home says, PICK ME! Come fall in love.

8444 E Pampa Avenue, Mesa
$355,000
3 Beds ⋅ 2 Baths ⋅ 7076052 MLS ⋅ 1,391 SqFt.
FANTASTIC 3 BEDROOM, 2 BATH SINGLE LEVEL TOWNHOME WITH ATTACHED 2-CAR CARPORT, IN THE HEART OF TEMPE! NEWLY PAINTED INSIDE AND OUT, NEW CARPET, KITCHEN REMODELED IN 2019, LARGE BACKYARD, ROOF JUST RE-COATED BY HOA, BACKS UP TO COMMON AREA AND COMMUNITY POOL, SEPARATE LIVINGROOM AND FAMILY ROOM, ATTACHED LAUNDRY ROOM WITH ''AS IS'' WASHER AND DRYER, ALSO INCLUDES AN ''AS IS'' REFRIGERATOR. UNBEATABLE LOCATION JUST 1 MILE NORTH OF US 60 AND 1 MILE WEST OF THE 101, ONLY 15 MINUTES OR SO TO SKY HARBOR AIRPORT AND 10 MINUTES FROM ASU. THIS PROPERTY IS UNDER MARKET CHECK THE RECENT COMPS

1732 E Alameda Drive, Tempe
$299,900
2 Beds ⋅ 2 Baths ⋅ 7075902 MLS ⋅ 1,277 SqFt.
This is a premium, updated condo in Leisure World. Your kitchen is enlarged with newer cabinets, appliances, and countertops. The pantry even has pull outs to help you organize. Both bathrooms have new walk in showers that were professionally designed. The popular Casa Alondra floor plan has brand new luxury vinyl throughout the home. The home has been carefully designed to be a safe, easy care home. Your large living room has plenty of space to spread out and enjoy. The central location on a cul de sac is very quiet and peaceful. All this in the Premiere Active Adult Community of Leisure World with 36 holes of private golf, new tennis complex, pickle ball, swimming pools, library, state of the art fitness center, theater, arts and crafts, billiard room, and much more!!

258 Leisure World --, Mesa
$315,000
2 Beds ⋅ 2 Baths ⋅ 7075763 MLS ⋅ 1,593 SqFt.
Your winter escape awaits! This gorgeous villa is perfectly situated along a spacious greenbelt in the award-winning Active Adult Community of Province. The inviting great-room floor plan offers two bedrooms, two baths, and a versatile den or hobby room. A custom-designed media center featuring stone veneer, built-in cabinetry, and floating shelves creates a beautiful focal point in the cozy great room. The adjoining kitchen showcases maple cabinetry, granite countertops, a chic tile backsplash, and black appliances, including a gas range. A double Lazy Susan, pull-out drawers, pantry with custom spice rack provide exceptional storage. Both bathrooms feature luxurious custom-tiled showers and granite countertops. Additional interior upgrades include plantation shutters and drop down shades, recessed lighting, kitchen pendant and pot-shelf lighting, ceiling fans throughout, a custom closet organization system at the primary bedroom, laundry-room cabinetry, and a convenient drop zone with upper and lower cabinets. A soft-water system and reverse osmosis system are also included. Step outside to your private backyard oasis, complete with a covered patio with an extended stamped-concrete entertaining area, raised garden planters, and peaceful greenbelt views. Front and rear gutters add extra convenience. The HVAC system was replaced just two years ago! The garage is equally well equipped with built-in cabinets, shelving, overhead storage, and a 220-volt outlet. A front security door completes this thoughtfully upgraded, move-in-ready home. Start Living the GOOD LIFE in Province!

20381 N Lemon Drop Drive, Maricopa
$349,867
2 Beds ⋅ 2 Baths ⋅ 7075686 MLS ⋅ 1,408 SqFt.
Experience the ultimate escape in this sophisticated resort-style retreat. The rare split floor plan offers two stunning primary suites, providing unmatched privacy. The luxurious kitchen features rich cabinetry, expansive granite counters, and high-end finishes perfect for entertaining. Enjoy the Arizona sky from dual covered patios, positioned for both sunrise and sunset views. Located in the premier Leisure World community, enjoy 36 holes of private golf, a new tennis complex, pickleball, and a state-of-the-art fitness center--all within a secure, 24/7 guard-gated enclave.

186 Leisure World --, Mesa
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