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Need help with ANY AZ Mortgage or Down Payment Assistance Programs in AZ?

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!

Also get access to our Realtor MLS UPDATED EVERY 5 Minutes!  That means EVERY home from EVERY Real Estate Company that is currently for Sale and FASTER THAN ZILLOW!

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VA Mortgage Arizona

The Arizona VA Home Loan program is a popular option for those who served.  They are guaranteed by federal government through the Veterans Benefits Administration, a part of the Department of Veterans Affairs.  Arizona VA mortgages help meet the housing needs of eligible veterans and have some of the best benefits of any mortgage program.

One of the best benefits for Veterans is that the majority of the down payment grant programs in Arizona will provide an additional 1% of assistance to qualified active members of the U.S. military and Veterans of the U.S. military.

Arizona VA Home Loan Closing Cost Assistance

An Arizona VA 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 VA 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.

VA Mortgage Arizona Highlights Include:

  • Almost always have no down payment requirement (100% financing).
  • No upfront or monthly mortgage insurance premiums (keep your payments low).
  • Seller can pay for your closing costs up to 4% of the sales price.  Possible to buy the home with ZERO out-of-pocket costs.
  • No prepayment penalties.
  • Must pay one-time non-refundable variable funding fee at closing (waived for disabled veterans and some surviving spouses) but it can be financed.

VA Home Plus Loan Program

Arizona VA loans reward those who have served by 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 VA 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%

VA Home In 5 Program

Arizona Veterans buying a home in Maricopa County should consider the VA Home In 5 program if you need help with your closing costs. This program has been very popular for the past few years because it is a great down payment assistance program.

Program Highlights:

  • Assistance for down payment and/or closing costs up to 3% of the mortgage balance for qualified Veterans, active duty Military, active Reservists and active National Guard.

The assistance money is actually available. Many down payment assistance programs run out of funds within a short period of time.

  • True down payment assistance money… no strings attached. Many down payment programs come in the form of a 2nd mortgage that is paid back over time or when you sell your home. Many prevent you from refinancing.
  • You do not have to be a first time home buyer.

How to Qualify:

  • Buy a house anywhere in Maricopa County, including in the City of Phoenix.
  • New or existing single family homes, 2 to 4 unit homes, condos, town homes, and manufactured homes.
  • Minimum FICO score is 640.
  • Income from all borrowers may not exceed $105,291.
  • Qualify for an Arizona VA loan with a maximum debt-to-income ratio of 45%.
  • Take an easy online homebuyer education course.

VA Mortgage Pima Tucson Homebuyer’s Solution

The Pima Tucson Homebuyer’s Solution can be used with an Arizona VA mortgage and has benefits are similar to those offered by the programs listed above and are offered in all of Pima County including the City of Tucson.

Program Highlights:

  • Down payment assistance available at 4% of the loan amount.
  • There is no first-time homebuyer requirement.
  • No requirement to pay back the grant. Also, it is not a 2nd mortgage.
  • The money is available and has continuous funding.

How to Qualify:

  • Buy a house anywhere in Pima County, including in the City of Tucson.
  • Minimum FICO score is 640.
  • Income from all borrowers may not exceed $105,291.
  • Qualify for an Arizona FHA loan with a maximum debt-to-income ratio of 45%.
  • Take an easy online home buyer education course.

Are You Eligible for a VA Mortgage?

Your VA eligibility is based on continuous active service of servicemembers and veterans.  Also, may be available to spouses of vets who died on active duty or MIA/POW.  The VA provides more detail for eligibility here.

VA entitlement is documented in your Certificate of Eligibility (COE).  The guaranty is limited to 25% lesser of purchase price or established reasonable value and vets may generally purchase home up to 4 times entitlement with no down payment.  Annual loan limits are set by county and most counties are set at $510,400.  Remember, some down payment assistance programs in Arizona limit the loan amount even if VA will finance more.

Waiting Periods – VA Mortgage Arizona

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

  • Arizona VA home loan after bankruptcy: The waiting period for getting a VA loan after a chapter 7 bankruptcy is 2 years. You can potentially qualify for a VA loan upon discharge of a chapter 13 bankruptcy or after 12 satisfactory payments during the plan.
  • Arizona VA home loan after foreclosure: The waiting period for getting a VA loan after a foreclosure is 2 years after the foreclosure.
  • Arizona VA home loan after short sale: If approved, there is no waiting period for getting a VA loan after a short sale.

 FHA | USDA | CONVENTIONAL

HOMES WE CAN HELP YOU FINANCE

$370,000
3 Beds ⋅ 3 Baths ⋅ 7049207 MLS ⋅ 1,379 SqFt.
This rare townhome, with attached 2 car garage and in a gated community, is available to be your new home! A great room floorplan, this unit is light and bright! Wood like floors are throughout the first level. The kitchen, with stainless appliances, opens to the great room & dining area. The downstairs also has an office or den that can be used for whatever you need the space to be. A powder room is also located on the main level. Upstairs you will find the master bedroom suite, two secondary bedrooms with a hall bath & a laundry closet that includes a full size washer & dryer. An attached double garage will make you think this is a single family home! Just out the door & across the street is the community pool and the Augusta Ranch Golf Club is in walking distance down Baldwin.

2024 S Baldwin -- 79 -- Unit 79, Mesa
$325,000
2 Beds ⋅ 3 Baths ⋅ 7049179 MLS ⋅ 1,456 SqFt.
Beautifully maintained townhome located in a desirable gated community! This thoughtfully designed floor plan features 2 oversized primary suites, each complete with its own private bathroom, making it ideal for guests, multi-generational living, roommates, or a private home office. Offering 1,456 sq ft of living space, this home features beautiful wood-look tile flooring, an open-concept kitchen overlooking the family room, and an attached 2-car garage with plenty of storage. Both primary suite bathrooms feature double sinks. One suite offers a walk-in shower, while the other includes a tub/shower combination. Each oversized bedroom features a walk-in closet and its own private balcony. Upstairs you'll also find a convenient laundry room w/ storage cabinets, a built-in desk niche in the hallway that's perfect for working from home or homework, newer carpet, and an abundance of storage throughout. Enjoy the security and convenience of gated community living while being just minutes from shopping, dining, golf, and freeway access. This move-in ready home offers a rare floor plan in a fantastic Mesa location!

6710 E University Drive Unit 156, Mesa
$287,000
2 Beds ⋅ 2 Baths ⋅ 7049175 MLS ⋅ 1,046 SqFt.
Welcome home to this refreshed 2-bedroom, 2-bath residence in a desirable West Mesa location. Perfectly positioned near Arizona State University, vibrant Downtown Mesa, and the Oakland Athletics Spring Training facility at Hohokam Stadium, this home offers an unbeatable combination of convenience and lifestyle. Spend your weekends exploring local favorites like Goat and Ram, Tacos Chiwas, and Republica Empanada, catch a performance at the Mesa Arts Center, or discover Arizona's rich history at the Arizona Museum of Natural History. With shopping, dining, entertainment, light rail access, and major freeways all nearby, this is an ideal opportunity to enjoy everything the East Valley has to offer. Soaring vaulted ceilings and fresh interior paint create a bright, open feel throughout the main living space. The kitchen features generous counter space and ample cabinetry, making meal preparation and daily living both functional and efficient. Both bathrooms have been tastefully remodeled with modern finishes, and a brand new washer adds everyday convenience, making this home truly move-in ready. Enjoy a private covered back patio for relaxing or entertaining, along with a covered carport for added convenience. The community pool provides a refreshing retreat during the warmer months. Major 2025 updates include a new roof, full PEX repipe, plumbing upgrades with new shut-off valves, and new front gutters, offering peace of mind for years to come. Whether you're a first-time homebuyer, ASU student or faculty member, investor, or simply looking for a low-maintenance home in a prime location, this thoughtfully updated residence offers exceptional value, modern upgrades, and the best of Mesa living--all ready for you to call home.

910 N Center Street Unit 16, Mesa
$344,900
2 Beds ⋅ 2 Baths ⋅ 7049140 MLS ⋅ 1,296 SqFt.
Great opportunity to own this 2 bedroom, 2 bathroom townhome that sits on a beautiful corner lot. Tile & laminate flooring throughout, vaulted ceilings, cozy fireplace, ceiling fans, all appliances, etc. Exterior features a wonderful front courtyard & back patio. Low maintenance as the HOA covers all landscaping needs (outside the patio/courtyard). Large 2-car garage with built-in storage cabinets. Community pool! Buyer to verify all facts & figures.

2059 E Brown Road Unit 16, Mesa
$495,000
3 Beds ⋅ 3 Baths ⋅ 7049095 MLS ⋅ 1,915 SqFt.
Some homes are designed around square footage. Others are designed around how people actually live. Positioned in one of the most desirable locations within Gilbert's gated Lakes at Annecy community, this home places the lake, boardwalk, playground, open green space, and one of the neighborhood's three pools just steps from the front door. From the front patio, the sound of the water and the openness beyond create a setting that feels remarkably different from what most buyers expect in a townhome community. Inside, nearly 2,000 square feet is thoughtfully arranged across three levels, offering three bedrooms, a dedicated den, spacious living areas, and multiple outdoor spaces. The floor plan adapts easily to the realities of modern life--working from home, hosting overnight guests, pursuing hobbies, or simply having room to spread out without taking on more house than you actually need. Annecy has earned a loyal following for good reason. Lakes, walking paths, parks, pools, and thoughtfully designed gathering spaces create a neighborhood where people spend time outside, know their neighbors, and genuinely enjoy where they live. It feels connected without feeling crowded and active without feeling busy. Just minutes from SanTan Village, Trader Joe's, Costco, restaurants, entertainment, and Loop 202 access, the location puts everyday conveniences within easy reach while maintaining a sense of separation from the pace that surrounds it. The best homes don't just provide a place to live. They make everyday life easier to enjoy. This is one of them.

1736 E Bridgeport Parkway, Gilbert
$320,000
3 Beds ⋅ 2 Baths ⋅ 7049093 MLS ⋅ 1,284 SqFt.
Welcome to this charming townhome in Hallcraft Villas Mesa! With 3 beds & 2 baths, it tastefully blends modern comfort and style. Enter to find a large formal living room paired with a vaulted ceiling! Neutral palette creates an inviting atmosphere, complemented by recessed lighting and wood-look tile flooring t/out. The eat-in kitchen boasts SS appliances, quartz counters, white cabinetry, a laundry closet, and sliding doors that open to the patio. The primary bedroom is downstairs, featuring a private bathroom for added comfort. Head upstairs to find the remaining bedrooms! One includes a walk-in closet, while the other offers direct access to the balcony. The private patio is the ideal spot to relax while enjoying BBQ. Plus an assigned carport space! Great location! Make this gem yours!

1342 W Emerald Avenue Unit 224, Mesa
$319,900
3 Beds ⋅ 2 Baths ⋅ 7049057 MLS ⋅ 1,136 SqFt.
WOW! This home has recently been remodeled by a licensed contractor. The home features fresh paint, new flooring, and updated fixtures throughout. Walk in to a spacious living room filled with natural light. The kitchen has been completely redone with new white cabinets, quartz counter tops, stainless steel appliances, and new hardware. All three bedrooms boast new carpet and fresh paint. Both bathrooms have been updated with new vanities, counter tops, and fixtures. Enjoy the private patio and community pool!

1970 N Hartford Street Unit 18, Chandler
$299,900
3 Beds ⋅ 3 Baths ⋅ 7049032 MLS ⋅ 1,452 SqFt.
WOW! Great Value! This large 3 bedroom, 2.5 bath townhome has a great location with golf course views from front and a private enclosed backyard patio with storage. Nicely updated in 2020 including upgraded flooring, plantation shutters + kitchen has been updated with granite countertops, tiled backsplash, stainless steel appliances, new sink, and newer cabinets. Very convenient location close to freeways, shopping, dining and entertainment! ***The vacant photos are from 2020, the other photos are current photos and there is some deferred maintenance, but nothing major. Bathrooms could use some updating.

409 E Woodman Drive, Tempe
$320,000
3 Beds ⋅ 3 Baths ⋅ 7049008 MLS ⋅ 1,377 SqFt.
$10,000 Seller Concession Available! Fully remodeled condo in the highly sought-after Dobson Ranch. This move-in ready home features a new A/c, luxury vinyl plank flooring, fresh paint, modern lighting, & designer finishes throughout. The stunning kitchen showcases white shaker cabinets, quartz countertops, waterfall island,full-height quartz backsplash, and stainless steel appliances. The open-concept floor plan creates a bright and inviting space, perfect for everyday living and entertaining. Enjoy Dobson Ranch amenities including lakes, pools,parks, walking paths, tennis courts, and recreation center. Conveniently located near shopping, dining, golf, and major freeways. Seller offering $10,000 toward buyer closing costs, interest rate buy-down, or other approved expenses.

2121 S Pennington -- Unit 21, Mesa
$315,000
3 Beds ⋅ 3 Baths ⋅ 7048987 MLS ⋅ 1,223 SqFt.
Move-in ready Tempe townhome in an unbeatable location! Recent updates include fresh interior paint, brand new carpet, new light fixtures, and a bright kitchen featuring quartz countertops, a new dishwasher, beverage fridge, and all appliances included. Step outside to your private backyard with easy maintenance artificial grass, creating the perfect space to relax without the upkeep. Located just minutes from Downtown Tempe, Mill Avenue, and ASU. With quick access to the US-60 and I-10 freeways, this puts shopping, dining, entertainment, and commuting within easy reach. Whether you're looking for a primary residence, housing for your student who is attending Arizona State University, or an investment opportunity, this Tempe townhome offers comfort, convenience, and exceptional value.

1418 W La Jolla Drive, Tempe
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