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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

$349,900
2 Beds ⋅ 2 Baths ⋅ 6979733 MLS ⋅ 1,237 SqFt.
Brand New A/C. Embrace easy living in this move-in ready, fully updated 2-bedroom, 2-bath townhouse located in the desirable Greenfield Glen 55+ community. This low-maintenance home features a functional open layout with new flooring, updated appliances, modern window shutters, and contemporary light fixtures throughout. Enjoy resort-style community amenities, including a sparkling pool and beautifully maintained common areas, perfect for Arizona living. Ideal for a lock-and-leave lifestyle, this affordably priced property offers comfort, convenience, and peace of mind. Don't miss this opportunity to enjoy carefree living in a quiet, welcoming adult community.

1021 S Greenfield Road Unit 1045, Mesa
$469,900
2 Beds ⋅ 2 Baths ⋅ 6979681 MLS ⋅ 1,542 SqFt.
JUST REDUCED $60,000! Great value and opportunity to live in this amazing community of Encanterra. Take advantage of all the amenities it offers or just relax and enjoy the manicured common areas. This home was lived in for less than 3 months then seller relocated. It's like new but only better with window treatments, water softener, reverse osmosis, and all the little things that are needed. This Evia model offers great room living with modern stainless steel appliances, gas cooktop, large kitchen island, breakfast bar, and coffee station. Bathrooms have upgraded finishes and tiled surrounds. Primary bath offers floating dual sink vanity with undermount lighting, private toilet room, walk-in closet, and glass enclosed shower. Easy living, low maintenance, gated, and ready for you

506 E Citrus Hollow Way, Queen Creek
$370,000
3 Beds ⋅ 3 Baths ⋅ 6978858 MLS ⋅ 1,358 SqFt.
Finding a property that balances a prime location w/a ''no-expense-spared'' renovation is a rarity. Finding one with a first-floor primary suite & full basement is virtually unheard of! This one underwent a complete, ground-up transformation around 5 yrs ago. Forget the ''builder grade'' upgrades often seen in today's market. This home was meticulously reconstructed starting from bare plywood & drywall to ensure structural & aesthetic integrity. Newer premium wood-look tile flooring flows t/o main living areas anchored by substantial 4.5'' baseboards for a custom, high-end finish. Brand new carpeting just installed in all 3 bedrooms. HOA maintains roof/replacement, water/sewer/garbage, front yard/exterior/street/common areas. The chef's kitchen has been entirely reconfigured for a modern flow. It features custom cabinetry, stunning granite countertops, premium stainless steel appliance package, & an expansive island design. Total peace of mind comes standard. The home features entirely updated electrical wiring, newer outlets, & designer lighting fixtures. Beyond the surface, the "guts" of the home are newer, including a high-efficiency water heater, newer supply lines, & contemporary sinks. This layout was intelligently redesigned to maximize both comfort & convenience. Originally a 2-bath unit, this home now boasts 2.5 elegantly appointed bathrooms. Each features newer vanities topped with luxe marble & all-new commodes. Enjoy the rare convenience of a first-level primary bedroom, offering a private retreat without the need for stairs. The detached & oversized 2-car garage provides ample space for vehicles & all of your gear, while the basement offers that elusive extra square footage with 2 additional bedrooms for a home gym, theater, or workshop. Why settle for a view of a parking lot? This unit occupies the coveted "Golden Spot" of the community. Step out your front door & find yourself mere steps from the community pool & mailboxes- The ultimate in convenience. Your personal outdoor escape features a professionally landscaped yard with premium AstroTurf, providing a lush, green aesthetic year-round with zero maintenance required. This is a "ground-up" remodel. In a market of cosmetic flips, this home stands alone as a complete reconstruction! Enjoy weekend grills in the backyard, & don't forget to visit the community's pool for a refreshing time. Easy access to the 101, 202, & 60 freeways, near ASU Research Park, Intel, Chandler Regional Hospital, shops, dining, top-rated schools... You are at the center of it ALL! Come see it before it's gone!

2875 W Highland Street Unit 1133, Chandler
$362,500
2 Beds ⋅ 2 Baths ⋅ 6977552 MLS ⋅ 1,096 SqFt.
PRICE REDUCED! Resort-style living in the heart of Gilbert! This beautiful townhome is located in the highly desirable Lakes at Annecy community. The southeast-facing unit is filled with natural light and enjoys a prime location directly across from a park-like setting featuring a lake with fountains, resort-style pool complex, and children's playground. The home offers direct access from the 2-car garage and a thoughtfully designed layout ideal for modern living. The kitchen boasts ample quartz counter space, sleek cabinetry, and beautiful appliances, perfect for both everyday use and entertaining. The living area opens to a private balcony, providing additional outdoor space. Additional features include a full-size stackable washer and dryer, included with the home. Conveniently located within walking distance to shopping, dining, and entertainment, with easy access to the Loop 202. Just minutes from SanTan Village Mall and Mercy Gilbert Medical Center. This is a fantastic opportunity to enjoy low-maintenance living in one of Gilbert's most sought-after communities.

2750 S Voyager Drive Unit 101, Gilbert
$250,000
3 Beds ⋅ 2 Baths ⋅ 6976768 MLS ⋅ 1,230 SqFt.
Well-maintained 3 bedroom, 2 bathroom home offering 1,230 square feet of comfortable living space. Built in 1970, this property features a functional floor plan with spacious living areas and well-sized bedrooms. The primary suite includes a private full bathroom, while two additional bedrooms provide flexibility for guests, home office space, or additional living needs. Sewer lines have been updated, offering added peace of mind for future ownership. Residents enjoy access to a community pool, and the property includes an assigned parking space for convenience. Ideally located approximately 10 minutes from Arizona State University, this home offers excellent potential as a primary residence or investment opportunity.

2015 E Southern Avenue Unit 22, Tempe
$242,900
2 Beds ⋅ 3 Baths ⋅ 6976196 MLS ⋅ 1,100 SqFt.
Welcome home to this updated 2 bed, 2.5 bath townhouse in a quiet neighborhood! Minutes from the 101, 60 & 202, Cubs Stadium, Mesa Riverview, Tempe Marketplace & 10 minutes to Phx Airport! Well maintained and thoughtfully updated, offering a move-in-ready home with room for your own personal touches. Upgrades include fresh interior paint, removed popcorn ceilings, epoxy floors downstairs, remodeled backyard, fully remodeled downstairs half bath & upstairs spare bath with updated plumbing/ventilation, newer dishwasher and cabinetry, custom master closet, new stair railing, new front door with transferable lifetime warranty (7/2025), and new water heater (10/2025) with 6-year warranty. Appraised at $291k in 2022 (available upon request), with more upgrades since. Ready for its new owner!

1500 W Rio Salado Parkway Unit 28, Mesa
$490,000
3 Beds ⋅ 3 Baths ⋅ 6975996 MLS ⋅ 1,921 SqFt.
Resort living at ''The Lakes at Annecy'' has stunning Lakes, access to 3 pools, spas, playgrounds, BBQs, peaceful green spaces surrounding the community's tree-lined streets, tranquil water features, and resort-style amenities. Nearby dining, shopping, and entertainment. Walking distance from SanTan Village, minutes from Loop 202, downtown Gilbert, and downtown Chandler yet feels like its own private world at this true resort-style living community! Featuring a courtyard, 3 bedroom plus a spacious loft, 2.5 baths, 42'' uppers cabinetry, a large kitchen with designer selected quartz kitchen countertops, an island, stainless steel appliances, 2 car garage, and only shares one wall. This is a prime Gilbert location. move-in ready! You just to unpack, unwind, and start enjoying life.

1821 E Bernie Lane Unit 107, Gilbert
$270,000
2 Beds ⋅ 2 Baths ⋅ 6975402 MLS ⋅ 1,310 SqFt.
Welcome to this beautifully inviting two-story townhome in the sought-after Dobson Ranch community! Bright and airy, this home features soaring vaulted ceilings, transom windows, tile flooring, and a cozy fireplace that adds warmth and charm. The well-appointed kitchen boasts rich wood cabinetry, built-in appliances, and a spacious peninsula with prep space and casual seating. Upstairs, the generous primary suite offers a large closet and private bath with dual sinks, soaking tub, and separate shower. Outside you will find a low-maintenance backyard with pavers and a covered patio--perfect for relaxing, dining, or entertaining. Come see all this home has to offer

1718 S Longmore -- Unit 13, Mesa
$422,900
3 Beds ⋅ 3 Baths ⋅ 6974570 MLS ⋅ 1,975 SqFt.
Outstanding opportunity for a 3 bedroom, 2.5 bathroom, 1,975 (spacious) SQFT Townhouse, with a two-car garage in a beautiful gated community. Walk in to the spacious living room, great for entertaining. Kitchen features a custom backsplash, breakfast bar and lots of counter space. The second level has a spacious loft & primary bedroom & bathroom with a separate tub / shower, plus a private balcony. The rest of the bedrooms + bedroom will be on the next floor, with another spacious loft and private balcony. Along with being a gated community, it also boasts a community pool + spa, playground & plenty of common area space. Very quick and easy access to the 202 freeway, making it convenient to get around. Close to great shopping, restaurants & entertainment. Do not miss this!

2821 S Skyline Drive Unit 129, Mesa
$450,000
3 Beds ⋅ 3 Baths ⋅ 6973328 MLS ⋅ 1,680 SqFt.
Beautiful 3-bedroom, 2.5-bath townhome located in the heart of Ocotillo! This light-filled, open-concept home features plantation shutters throughout and a clean, modern aesthetic. The kitchen boasts white cabinetry equipped with convenient pull-out drawers, under-mount lighting, upgraded countertops, tile flooring, and stainless steel appliances--creating a bright, functional, and timeless space perfect for everyday living and entertaining. Upstairs, you'll find two generously sized guest bedrooms alongside a spacious primary suite featuring a custom closet organizer. The primary bathroom offers dual sinks, a tiled shower, ample lighting, and excellent storage. Practical luxury continues in the laundry room with its own custom organizer. The garage is thoughtfully upgraded with epoxy flooring, built-in cabinets, and EV charger pre-wiring, adding exceptional style and function. Step outside to enjoy the private front patio--an ideal space for relaxing or entertaining outdoors. Prime location with easy access to shops, restaurants, and freeways Loop 202, 101, and I-10!

2477 W Market Place Unit 27, Chandler
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