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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!

Questions or need help to get started with the mortgage process?
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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

$265,000
2 Beds ⋅ 3 Baths ⋅ 7058688 MLS ⋅ 992 SqFt.
Very nice 2-bedroom townhouse in a highly sought-after Chandler community featuring a sparkling community pool and low HOA fees. The kitchen offers white quartz countertops, stainless steel appliances, undermount sink, dishwasher, disposal, and a good-sized pantry. Enjoy a private courtyard perfect for morning coffee or relaxing evenings. Located just a couple miles from beautiful downtown Chandler, with its charming mom-and-pop shops, restaurants, and year-round community events. A great opportunity in a fantastic location.

1961 N Hartford Street Unit 1057, Chandler
$329,900
2 Beds ⋅ 2 Baths ⋅ 7058533 MLS ⋅ 993 SqFt.
Move-in ready, single-level, 2-bedroom, 2-bath townhome tucked away in the back of the community with no neighbors to the east for added privacy. This beautifully updated home features new luxury vinyl plank flooring in the main living areas, new carpet in the bedrooms, fresh interior paint, new baseboards, newer appliances, and updated light fixtures. The inviting living room offers a cozy wood-burning fireplace, creating the perfect place to relax. With modern updates throughout and a desirable location, this low-maintenance home is ready for its new owner! Community pool and heated spa, close to freeways, near shopping, dining, and entertainment!

1111 W Summit Place Unit 32, Chandler
$355,000
3 Beds ⋅ 2 Baths ⋅ 7058524 MLS ⋅ 1,261 SqFt.
Perfect opportunity for a long-term rental or your forever home. The home features a bunch of new updates; it is on the end and has a great homey feel to it. There is a nice private and fenced backyard with additional storage, and a private gate to the covered parking. Inside the layout is fantastic with an open floor plan flowing from the kitchen into the living room and vaulted ceilings that gives it such a spacious feel. The master bedroom features a private patio door and is on the opposite side of the two other bedrooms.

860 N Mcqueen Road Unit 1026, Chandler
$239,500
2 Beds ⋅ 2 Baths ⋅ 7058474 MLS ⋅ 954 SqFt.
Welcome to this beautifully renovated 2-bedroom, 2-bathroom condo in the peaceful and well-maintained Emelita Place community. This move-in-ready home features a bright, open interior with abundant natural light, updated finishes, and a functional layout designed for comfortable everyday living. Enjoy the community pool just steps away, perfect for relaxing or cooling off on warm Arizona days. Ideally situated in a highly central Mesa location, you'll have convenient access to shopping, dining, parks, schools, freeways, and everything the Valley has to offer. Whether you're a first-time homebuyer, downsizing, or looking for a low-maintenance investment property, this charming condo offers the perfect combination of comfort, convenience, and community with a low HOA!

1730 W Emelita Avenue Unit 2102, Mesa
$315,000
4 Beds ⋅ 3 Baths ⋅ 7058415 MLS ⋅ 1,518 SqFt.
Welcome home to this spacious and inviting 4-bedroom, 2.5-bath townhouse nestled in the heart of Mesa. From the moment you step inside, you'll feel the comfort and warmth of a home designed for making memories. With 1,518 square feet of thoughtfully designed living space across two stories, there is room to spread out, entertain, and enjoy everyday living. The main level features a spacious separate living area with a welcoming atmosphere, complemented by a light and bright kitchen with stainless steel appliances and a separate dining area perfect for family meals or gathering with friends. A generously sized laundry room with washer and dryer hookups adds everyday convenience. Upstairs, you'll find all four bedrooms, creating a private retreat away from the main living quarters, and offering the perfect opportunity to personalize the space with new carpeting or flooring to suit your style and taste. The home also boosts new windows throughout, complete with a 3-year warranty, providing comfort, efficiency, and peace of mind. A newer A/C system adds to the year-round comfort of this beautiful home. Step outside to your private, spacious patio with a storage shed -- the perfect place for enjoying Arizona evenings, outdoor dining, or additional storage. The property also includes three reserved parking spaces, including one covered space. The community offers an exceptional lifestyle with an oversized Olympic-size pool and a fantastic clubhouse, providing great spaces to enjoy with family and friends. The location is ideal, with convenient access to the light rail, ASU, shopping, dining, and entertainment. The HOA includes water, sewer, and garbage collection, adding value and convenience while making everyday living easier. With its spacious floor plan, thoughtful upgrades, private outdoor space, resort-style amenities, and prime Mesa location, this townhouse offers the perfect blend of comfort, convenience, and lifestyle. This isn't just a place to live -- it's a place to call home!

225 N Standage -- Unit 29, Mesa
$415,000
3 Beds ⋅ 2 Baths ⋅ 7058411 MLS ⋅ 1,330 SqFt.
Welcome home to this beautifully remodeled 3-bedroom, 2-bathroom townhome with a 2-car garage, offering modern updates and a fantastic location. Recent renovations include new flooring, cabinets, interior paint, baseboards, quartz countertops, and stainless steel appliances, creating a stylish, move-in-ready home. Enjoy a spacious and functional floor plan designed for comfortable everyday living. Residents also have access to a community pool, perfect for cooling off and relaxing. Additional features include gated RV/boat parking available for an additional fee, providing extra convenience for your recreational vehicles. Ideally located just minutes from Costco, Starbucks, Kiwanis Park, and an abundance of shopping, restaurants, entertainment, and parks, this home offers the perfect combination of comfort, convenience, and low-maintenance living.

6726 S Brittany Lane, Tempe
$260,000
3 Beds ⋅ 2 Baths ⋅ 7058316 MLS ⋅ 1,100 SqFt.
Welcome to this beautifully maintained 3-bedroom, 1.5-bath townhouse offering the perfect combination of style, comfort and convenience. Whether you are a first-time homebuyer, looking to downsize, or searching for a turnkey investment property, this home checks all the boxes. Inside, you'll find a bright and inviting living space with an updated kitchen featuring granite countertops, a beautiful backsplash, under-cabinet lighting and ample cabinetry, making meal prep and entertaining a breeze. A new HVAC system provides year-round comfort and added peace of mind. Enjoy the ease of covered parking and a low-maintenance lifestyle with an HOA that takes care of the exterior maintenance, allowing you more time to enjoy the community amenities, including a refreshing community pool. Ideally situated in Northwest Mesa, this home is just minutes away from shopping, dining and everyday conveniences. Spend weekends exploring Riverview Park, Sloan Park or Tempe Marketplace. Easy access to the nearby canal trails for biking or walking. Quick access to major freeways makes commuting throughout the Valley simple. This move-in ready townhouse offers the lifestyle, location, and value. Don't miss the opportunity to make it yours!!

1500 W Rio Salado Parkway Unit 122, Mesa
$260,000
2 Beds ⋅ 2 Baths ⋅ 7058034 MLS ⋅ 1,130 SqFt.
Stunning, completely remodeled in July 2026 Condo 2 Beds, 1.5 Baths offer low-maintenance living. HOA covers landscaping, water, sewer, trash, Roof repairs and exterior building maintenance. Interior features fresh paint, quartz countertops, new floor, upgraded bathroom. New curtains, New light ceiling fan. Community pool and moving ready. Conveniently located close to ASU, Tempe Market place and tons of Food and Shopping. Very quick and easy access to Freeway 202.

1455 N Alma School Road Unit 40, Mesa
$385,000
3 Beds ⋅ 3 Baths ⋅ 7058015 MLS ⋅ 1,510 SqFt.
Move-in ready townhome in desirable West Main Station Village! This beautifully upgraded 3 Bedroom, 2.5 Bath home features an open floor plan with laminate flooring, granite countertops, stainless steel appliances, upgraded fixtures, a spacious pantry, and ENERGY STAR dual-pane windows. The master suite offers a walk-in closet, dual sinks, and an en-suite bath. Enjoy your own private, cozy patio perfect for morning coffee or relaxing evenings. Attached 2-car garage provides added convenience. Community amenities include a pool, spa, and walking paths. Conveniently located near Mesa Community College, Valley Metro Light Rail, shopping, dining, and easy access to the US-60, Loop 101, and Loop 202. Low-maintenance living at its best!

1406 W Main Street Unit 137, Mesa
$341,000
2 Beds ⋅ 3 Baths ⋅ 7057994 MLS ⋅ 1,456 SqFt.
NEW AC, NEW ROOF, REMODELED KITCHEN! Move in ready townhome located in a gated community. Well maintained 2 story situated adjacent to greenbelt. Walk up to your beautiful pavered patio complete with built in fireplace. Inside you'll see a light and bright floorplan, with newly remodeled kitchen complete with quartz counters and plenty of storage. Half bath located downstairs. Upstairs you will find 2 large Primary suites each with full baths, walk-in closets and walk out private balcony. Buit-in desk conveniently located on the loft along with enclosed washer and dryer. Unit has attached 2 car garage. Community has pool and spa. Amazing location close to shopping and the freeways. Don't miss out on this beauty!!

6710 E University Drive Unit 171, Mesa
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