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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

$309,000
3 Beds ⋅ 3 Baths ⋅ 6994929 MLS ⋅ 1,531 SqFt.
RARE 3 BR OFFERING IN THE LANDINDS AT DOBSON RANCH/ THESE UNITS BACK TO THIER OWN COMMUNITY STREAMS/ THE POOL AREA INCLUDES A LAKE/ GREAT AMENITIES/ WELL MAINTAINED 3BR 3BA WITH GREAT ROOM IN QUIET LOCATION/ RECENT PAINT, CARPET & BLINDS MAKE HIS HOME READY TO GO/ SATILLO TILE COVERS THE ENTIRE FIRST FLOOR FOR EASY MAINTENENACE/ MASTER HAS A BALCONY OVERLOOKING THE STREAM/ PRIVATE FRONT COURTYARD AND REAR PATIO/ 1 CAR GARAGE W/ OPENER/ CLOSE BUT NOT TOO CLOSE TO THE POOL/ A GREAT PLACE TO RESIDE

2208 W Lindner Avenue Unit 31, Mesa
$209,000
2 Beds ⋅ 2 Baths ⋅ 6994528 MLS ⋅ 960 SqFt.
Discover easy, low-maintenance living in this beautifully refreshed 2-bedroom, 1.5-bath townhome in desirable downtown Mesa. This inviting home features stylish wood-look flooring throughout, partial new carpet, fresh interior paint, and brand-new stainless steel appliances, creating a bright and modern space that's truly move-in ready. The comfortable layout offers welcoming living areas and a functional kitchen perfect for everyday living or entertaining. Enjoy the convenience of a sparkling community pool - ideal for relaxing during Arizona's sunny days. Even better, the HOA covers water, sewer, trash, roof, community pool and exterior maintenance, helping make homeownership simple and stress-free. Conveniently located downtown Mesa near shopping, dining, and major commuter routes.

225 N Pomeroy -- Unit 14, Mesa
$209,000
2 Beds ⋅ 2 Baths ⋅ 6994504 MLS ⋅ 960 SqFt.
Welcome to this charming 2-bedroom, 1.5-bath townhome located in the heart of Mesa. This well-maintained property features partial new carpet, fresh interior paint, and brand-new stainless steel appliances, wood looking flooring, giving the space a clean and updated feel. The functional floor plan offers comfortable living and dining areas, with both bedrooms located upstairs for added privacy. The kitchen has been refreshed with modern appliances, making it move-in ready for its next owner. HOA includes community pool maintenance, water, sewer, trash, roof repair, and insurance. Conveniently situated downtown near shopping, dining, parks, and freeway access, this townhome offers an excellent opportunity for first-time buyers, investors, or anyone looking for low-maintenance living

225 N Pomeroy -- Unit 6, Mesa
$299,995
1 Beds ⋅ 2 Baths ⋅ 6994165 MLS ⋅ 1,008 SqFt.
1 bed, 1.5 bath, 1 car garage with east facing patio on the 10th fairway in active 55+ active adult community of Sunland Village East. Front living room has plantation shutters, ceiling fan, tile flooring, murphy bed for guests. Eat-in kitchen, raised panel oak cabinets, all appliances convey with the property. Back family room has slider to covered patio with exterior storage closet. Comfortably sized master bedroom, east facing window with golf course view, walk-in closet with built-in shelving. Master bathroom has walk in shower. Indoor laundry in half bath. Whole house water purification system. Active 55+ adult community with heated swimming pools, tennis courts, pickle ball courts, wood working shop and much more. PETS NOT ALLOWED THIS SECTION OF CONDOS

7755 E Laguna Azul Avenue Unit 243, Mesa
$339,000
2 Beds ⋅ 2 Baths ⋅ 6994115 MLS ⋅ 1,007 SqFt.
Welcome to your charming condo! Offering two private master suites, open great room complete with fireplace creating a cozy atmosphere to help you unwind and stay awhile. Tile floors throughout keep life simple, and the included refrigerator, washer, and dryer mean you can settle in from day one. Enjoy golden hour evenings on your patio, surrounded by a community known for its well-kept grounds, refreshing pool, and hot tub for those cold desert nights. It is conveniently located to shopping, restaurants, Chandler School district, Banner Desert Hospital, and access to 101 freeway for wherever life takes you next. A home with comfort, convenience, and potential... waiting for someone to make it theirs.

2100 W Lemon Tree Place Unit 60, Chandler
$229,900
2 Beds ⋅ 1 Baths ⋅ 6993396 MLS ⋅ 855 SqFt.
Welcome home to this charming CORNER LOT 2B/1BA townhome in the sought-after 55+ community of The Village at Apache Wells! Ideally located near restaurants, shopping, parks, multiple golf courses, and with quick access to the 202 freeway. Inside, you'll love the open layout featuring a bright kitchen with granite countertops, white appliances, and abundant cabinet space. The spacious primary suite offers beautiful natural light, wood-laminate flooring, and a walk-in closet. Enjoy tile and laminate flooring throughout (no carpet), a private patio with storage, and covered parking. Community amenities include a heated pool, spa, clubhouse with reading and social areas, billiards room, and access to Apache Wells Country Club. A must-see opportunity! Professional pics coming soon.

5518 E Lindstrom Lane Unit A1, Mesa
$265,000
2 Beds ⋅ 2 Baths ⋅ 6993172 MLS ⋅ 945 SqFt.
Wow! This is a nice Townhouse in Northeast Mesa. 2 Bedrooms and 2 Bathrooms. Almost 1000 square feet. Kitchen includes Granite Countertops and Stainless Steel Appliances. Refrigerator, Washer and Dryer are Included. Washer and Dryer are in Almost New Condition. The kitchen area has had the ceiling raised making it feel very updated and spacious. Nice sized living room. Features a private patio as well. And, there is a Community Pool. HOA Fee includes Roof Repair and Roof Replacement, Water, Sewer and Garbage, Exterior Maintenance and a Blanket Insurance Policy. Hurry to this one!!

629 N Mesa Drive Unit 35, Mesa
$280,000
2 Beds ⋅ 2 Baths ⋅ 6992823 MLS ⋅ 1,084 SqFt.
Check out this charming first-floor 2 bedroom, 2 bathroom condo in Tempe! Located in the desirable Papago Park Village community near Scottsdale Rd. and Curry, this unit offers comfort and convenience in a prime location. Across the street from Papago village park and playground. The spacious primary suite features two mirrored walk-in closets and a well-appointed en-suite bath. You'll also enjoy a separate utility room and easy access to the nearby pool--one of three pools in the community. Close by- Arizona State University, Tempe Town Lake, Scottsdale, the 202 and 101 freeways, plus great shopping and dining--this location truly has it all!

925 N College Avenue Unit G126, Tempe
$290,000
2 Beds ⋅ 2 Baths ⋅ 6991243 MLS ⋅ 1,286 SqFt.
SHORT SALE. This property is perfect for medical professionals due to its proximity to the hospital and the homes floor plan. It essentially has 2 master suites and could easily be made into a 3 bedroom. The community has immaculate streets & front yard landscaping. It's the perfect combo for those that don't have the time to pull weeds and mow, but still has the perfect amount of backyard space for pets and raised bed gardening. The high ceilings, and a large family room give a spacious feel. The new flooring is a neutral LVP, with new taller baseboards throughout. Having options to lay rugs and create your own style for interior decorating. The Kitchen has all newer appliances, plenty of countertop space and pantry storage. The primary offers a spacious bedroom with a walk-in close and en-suite bathroom featuring dual sinks, and a walk-in shower with private toilet area. The guest suite has its own walk-in closet and private access to the hall bathroom and can be locked off from the common area as well. The Attached Garage offers 2 spaces and direct access to the house and along with a designated area for the trash cans. Not to mention the community's shared pool and heated jacuzzi being just down the road. The community parks are perfect for taking a dog to throw the ball, chat with neighbors and play with your children or fur babies, or just lounge on the grass while you take a breather. Truly a delightful neighborhood.

6720 E Encanto Street Unit 20, Mesa
$259,900
2 Beds ⋅ 1 Baths ⋅ 6991106 MLS ⋅ 900 SqFt.
PRICE REDUCED, TURN KEY, REMODELED HOME WITH 2022 AC UNIT, BRAND NEW ROOF! This 2 bedroom 1 bathroom home is completely remodeled throughout, including New Quartz Countertops with a waterfall edge, New Cabinets, with New Appliances, Clean Backsplash, New Floors, New Vertical Tiled Shower, Indoor-Outdoor Dining, Artificial Turf, and More! Located in the heart of Mesa, right down the road from Mesa Riverview, Riverview Park, Tempe Marketplace, Golf Courses, Restaurants, Freeway Access, Westwood High and More! With a Community pool, enjoy the summers and the quaint experience this community has to offer. The community is well taken care of and offers 2 covered parking spaces on the property as well! This townhome has it all! Washer/Dryer to convey but in as in condition.

861 N Revere -- Unit E, Mesa
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