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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

$280,000
3 Beds ⋅ 2 Baths ⋅ 7030428 MLS ⋅ 1,132 SqFt.
Priced well below competing properties for a quick sale! Incredible opportunity to own a rare single-level corner townhome in one of Tempe's most convenient locations. Perfect for a second home, ASU housing, long-term rental, short-term rental, or investment property. This desirable 3-bed, 2-bath floorplan features vaulted ceilings, open-concept living and dining areas, and a bright kitchen with excellent natural light. Spacious primary suite includes a walk-in closet, private bath, and direct patio access. Two additional bedrooms provide flexibility for guests, office space, or roommates. Enjoy two private patios ideal for outdoor dining, pets, entertaining, or extra storage. Additional highlights include inside laundry, newer A/C, newer flooring, assigned parking, guest parking, and access to the community pool. Excellent access to Loop 101, ASU, Tempe Marketplace, Mesa Riverview, Sloan Park/Cubs Spring Training, shopping, dining, entertainment, and major employment centers. Opportunities at this price point in Tempe are becoming harder to find.

704 S Lebanon Lane, Tempe
$275,000
3 Beds ⋅ 2 Baths ⋅ 7030094 MLS ⋅ 1,118 SqFt.
MOTIVATED SELLER! JUST REDUCED! Beautifully updated 3-bedroom townhome featuring a highly desirable floorplan with one bedroom conveniently located on the main level complete with its own en suite bathroom -- perfect for guests, multigenerational living, or a private office setup. The stylish kitchen has been thoughtfully updated with sleek quartz countertops, white cabinetry, and modern floating shelves, creating a bright and inviting space that flows seamlessly into the main living areas. Cozy up by the fireplace in the living room, while upstairs the spacious primary suite also features its own fireplace for an added touch of warmth and charm. Additional highlights include in-unit laundry, a private and cozy enclosed patio perfect for relaxing and a dedicated 1-car carport

510 N Alma School Road Unit 210, Mesa
$289,000
2 Beds ⋅ 2 Baths ⋅ 7029874 MLS ⋅ 1,119 SqFt.
Completely remodeled 2-bedroom, 2-bath townhome in the heart of Tempe offering the perfect blend of style, convenience, and investment potential! And brand new A/C Unit! Ideally located just minutes from Arizona State University, Phoenix Sky Harbor International Airport, and all the dining, shopping, entertainment, and nightlife that make Tempe one of the Valley's most desirable locations. Enjoy low-maintenance living with a private outdoor patio featuring a spacious storage shed, plus two assigned covered parking spaces. Community amenities are just steps away, while major freeways provide easy access throughout the Valley. With no rental restrictions and Airbnb/VRBO approval, this property is an incredible opportunity for investors, short-term rental owners, students, professionals, or anyone seeking a lock-an-leave lifestyle. Whether you're looking for an investment or your next home sweet home, this Tempe gem checks every box!

3847 S Mill Avenue, Tempe
$440,000
2 Beds ⋅ 2 Baths ⋅ 7029690 MLS ⋅ 1,538 SqFt.
Experience resort-style living in the highly sought-after community of Encanterra Golf & Country Club. This beautifully designed Resort Collection Evia model offers the perfect blend of efficiency, comfort, and low-maintenance lock-and-leave living. Featuring 2 bedrooms plus a flexible den space, this thoughtfully designed floorplan lives larger than its footprint with open-concept living and smart use of space throughout. Encanterra residents enjoy a true resort experience with world-class amenities including championship golf, resort pools, fitness center, pickleball, member clubs, events and concerts. On site private dining at Palma Tap and Kitchen. This community offers a lifestyle unmatched in the southeast valley.

292 E Las Puertas Lane, Queen Creek
$429,000
3 Beds ⋅ 3 Baths ⋅ 7029653 MLS ⋅ 1,647 SqFt.
Wow! GORGEOUS 3-bed, 2.5-bath 3.5-car garage, 3 Story Townhouse Tempe AZ! Luxury and Location! Walking Distance to All the Tempe Hot Spots and the University. One Bedroom Master Suite with Private Balcony. 2 Bedrooms Jack&Jill Pass through Bathroom. Gorgeous Updated Black Tan and White interior shades. Stackable Interior Laundry. Gated Grounds.

1081 W 1st Street Unit 10, Tempe
$299,000
2 Beds ⋅ 3 Baths ⋅ 7029585 MLS ⋅ 1,317 SqFt.
2-bedroom, 2.5-bath waterfront home in Dobson Ranch. Primary suite with full bath and a balcony overlooking the water. Private courtyard, back covered patio. A half bath is located downstairs. Tile floors downstairs, laminate floors upstairs, newer windows and patio doors, and all appliances included - washer & dryer. One-car garage plus additional parking. Dobson Ranch amenities include access to lakes, walking and biking paths, community pools, tennis and racquetball courts, parks, playgrounds, and year-round events. Convenient to Hwy 60 and Loop 101. Water, trash, roof and sewer are included with HOA.

2232 W Lindner Avenue Unit 15, Mesa
$299,500
3 Beds ⋅ 2 Baths ⋅ 7029422 MLS ⋅ 1,081 SqFt.
***Motivated Seller*** Beautiful 3 bedroom 2 full bath Condo in Tempe right next to ASU Campus! Freshly Painted, New Flooring, Community Pool, Raised panel cabinets and a breakfast bar. Walk to Resturants ,close to shopping shops on Mill Ave. This is one of a kind floor plan on the 2nd floor with balcony.

510 W University Drive Unit 208, Tempe
$329,900
3 Beds ⋅ 2 Baths ⋅ 7029177 MLS ⋅ 1,413 SqFt.
New price 7/15 * This charming 3-bedroom, 2-bathroom end-unit townhome in gated community offers an unbeatable Tempe lifestyle near Arizona State University, shopping, restaurants, and transportation options. As you enter the home, you are welcomed by soaring ceilings and abundant natural light, creating an open and inviting feel. Just outside, enjoy a generously sized private patio enclosed by a high block wall perfect for relaxing, entertaining, or enjoying added privacy. The desirable floor plan includes one bedroom and a full bath downstairs, with two additional bedrooms and another full bath upstairs. All bedrooms feature walk-in closets, and the home offers exceptional storage throughout. Freshly updated with new interior paint and carpet, this move-in-ready home will also feature . new 2" wood blinds in the great room. The open kitchen overlooks the spacious great room and features granite tile countertops and light wood cabinetry, creating a bright and functional living space. A full-sized washer and dryer are conveniently located inside the unit with added cabinetry above for extra storage. The attached single-car garage provides direct access into the home, plus there is one additional assigned parking space and ample guest parking nearby. Residents enjoy a gated community with a sparkling pool and hot tub, ideal for easy lock-and-leave living. Located just minutes from the free Orbit shuttle, streetcar, and light rail, this home offers quick access to Downtown Phoenix, sports venues, entertainment, and more. Enjoy an easy bike ride to downtown Tempe, campus, and Tempe Town Lake, along with nearby parks perfect for dog walking and outdoor recreation. Close proximity to grocery stores and everyday conveniences makes this an ideal primary residence, investment property, or a smart opportunity to purchase for a student while building long-term equity. This little treasure is not to be missed!

1445 E Broadway Road Unit 120, Tempe
$370,000
3 Beds ⋅ 2 Baths ⋅ 7029016 MLS ⋅ 1,310 SqFt.
Designer finishes, luxury upgrades, and the award-winning Eastmark lifestyle come together in this exceptional 3-bedroom, 2-bath home. Every detail has been thoughtfully designed w/premium finishes and custom upgrades throughout. The spacious owner's suite offers a luxurious retreat featuring dual vanities, a walk-in shower, and a custom-designed walk-in closet. The gourmet kitchen is sure to impress with stainless steel appliances, quartz countertops, a designer backsplash, a breakfast bar, and abundant cabinetry. The open-concept great room boasts soaring ceilings, a custom fireplace, and an expansive sliding glass door that opens to a private balcony, creating the perfect space for relaxing or entertaining. Enjoy the award-winning Eastmark lifestyle w/exceptional community amenities including a resort-style pool, splash pad, game center, community farm, coffee shop, restaurant, lakes, skate park, dog park, volleyball, basketball and baseball courts, playgrounds, frisbee golf, walking trails, and year-round community events. Conveniently located with easy freeway access and just minutes from shopping, dining, and entertainment. This exceptional home truly offers the perfect blend of luxury, comfort, and convenience.

9923 E Wavelength Avenue, Mesa
$349,500
3 Beds ⋅ 2 Baths ⋅ 7028802 MLS ⋅ 1,571 SqFt.
Welcome to resort-style living in the prestigious gated community of Province -- an exclusive active adult neighborhood offering 24-hour guarded security, incredible amenities, and a vibrant lifestyle. This absolutely stunning 1,500+ square foot home combines comfort, elegance, and low-maintenance living in one beautifully designed package. Inside, you'll find soaring 9-foot ceilings, three spacious bedrooms, and two full bathrooms thoughtfully laid out for both everyday comfort and entertaining. Tasteful ceramic tile and luxury vinyl flooring throughout provide beauty and easy maintenance. The spacious primary suite is a peaceful retreat featuring a charming bay window overlooking the private backyard, while the en suite bathroom offers dual sinks, a spacious shower, and an oversized walk-in closet. The heart of the home is the expansive family room, kitchen, and dining area -- ideal for relaxing evenings or hosting family and friends. A cozy gas fireplace adds warmth and ambiance during Arizona's cooler months. The beautifully upgraded kitchen features rich cherry wood cabinetry with pull-out drawers in all lower cabinets, abundant granite countertop space, and plenty of room for cooking and entertaining. The dining area easily accommodates a large table and offers lovely views of the patio and backyard oasis. The two-car garage, conveniently accessed through the laundry room, includes extensive built-in cabinetry and attractive epoxy flooring for a clean, organized appearance. Step outside to your private patio and lush backyard retreat where colorful landscaping creates a serene desert oasis perfect for relaxing mornings or evening gatherings. Additional upgrades including sunscreens, whole-house water filtration, and a reverse osmosis system enhance the efficiency and comfort of this exceptional home. Living in Province means enjoying world-class amenities designed for an active and social lifestyle. Residents have access to media rooms, game rooms, a library, pickleball and tennis courts, indoor and outdoor pools, a heated spa, fitness center, and countless community activities that make it easy to connect with neighbors and stay active year-round. Even better, the HOA assessment includes roof maintenance, exterior home maintenance, and front yard landscaping -- giving you more time to enjoy everything this incredible community has to offer. This is more than just a home -- it's the lifestyle you've been waiting for.

41975 W Ellington Lane, Maricopa
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