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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

$468,000
4 Beds ⋅ 3 Baths ⋅ 7027935 MLS ⋅ 1,675 SqFt.
Seller Financing Available!! Beautiful 4 Bedroom Home in an Unbeatable Location Near Shopping, Dining & Entertainment! This spacious and light-filled home features soaring vaulted ceilings, an open-concept floorplan, and an upgraded kitchen with rich cabinetry, granite countertops, stainless steel appliances, and a breakfast bar overlooking the living space. The expansive layout offers 4 full bedrooms, providing plenty of room for family, guests, home offices, or flex space. Large windows bring in abundant natural light while the open living and dining areas create the perfect setting for entertaining. Conveniently located just minutes from major freeways, top shopping destinations, restaurants, movie theaters, parks, and entertainment hotspots.

2401 E Rio Salado Parkway Unit 1095, Tempe
$289,900
2 Beds ⋅ 2 Baths ⋅ 7027838 MLS ⋅ 1,046 SqFt.
Welcome to 3491 N Arizona Avenue in the heart of Chandler, a beautifully maintained 2 bedroom, 2 bath home offering dual primary suites, each with its own private en suite bathroom for the perfect blend of comfort and functionality. Located in the desirable Discovery at Daybreak community, this home features an inviting layout, abundant natural light, and a private back patio ideal for relaxing, entertaining, or enjoying Arizona evenings outdoors. Residents enjoy access to a community pool, lush green spaces, and a prime Chandler location just minutes from Downtown Chandler, Chandler Fashion Center, the Loop 202, and US 60. With nearby parks, dining, shopping, and scenic Western Canal walking and biking paths, this home combines low-maintenance living with exceptional convenience in one of the East Valley's most connected locations.

3491 N Arizona Avenue Unit 39, Chandler
$459,000
3 Beds ⋅ 2 Baths ⋅ 7027451 MLS ⋅ 1,772 SqFt.
Beautifully maintained condo in the heart of Chandler! This move-in ready unit features an upgraded kitchen with modern finishes, ample cabinetry, and generous counter space that opens seamlessly to the dining and living areas, perfect for entertaining. The home also showcases stylish wood-look tile flooring throughout the main living spaces, adding both elegance and durability. Enjoy a bright and open floor plan with abundant natural light and a functional layout ideal for comfortable living or a lock-and-leave lifestyle. Conveniently located near shopping, dining, entertainment, parks, and easy freeway access. Excellent opportunity for a primary residence, winter retreat, or investment property in a highly desirable Chandler location!

1255 N Arizona Avenue Unit 1236, Chandler
$349,900
2 Beds ⋅ 3 Baths ⋅ 7027449 MLS ⋅ 1,100 SqFt.
Tempe is waiting for you at this 2-bedroom townhome. Inside, guests find two master bedrooms and three bathrooms, perfect for a roommate or small family. This is a charming home close to Tempe Marketplace, Mesa Riverview, and ASU. Professional and soon-to-be professionals will love the atmosphere and the 2-car garage.

2401 E Rio Salado Parkway Unit 1072, Tempe
$364,900
2 Beds ⋅ 2 Baths ⋅ 7027329 MLS ⋅ 1,206 SqFt.
JUST A SHORT WALK TO DOWNTOWN GILBERT and the NEW Heritage Park expansion! Located in the gated community of Via Sorento, this beautifully maintained two-level townhome offers the perfect blend of comfort, convenience, and style. The owner has thoughtfully updated and meticulously cared for the home throughout ownership. Inside, you'll find wood-look tile flooring, fresh paint, vaulted ceilings, fire sprinklers, and abundant natural light. The kitchen features granite counters, stainless steel appliances, white cabinetry with crown molding, recessed lighting, and a large island with breakfast bar seating. The spacious primary suite includes dual sinks, a walk-in closet, and plush carpet. Enjoy peaceful mornings or evenings on the private balcony overlooking the neighborhood.

240 W Juniper Avenue Unit 1169, Gilbert
$395,000
3 Beds ⋅ 2 Baths ⋅ 7027228 MLS ⋅ 1,309 SqFt.
Welcome home to this lightly lived in only 2 years young beatiful townhome. This Verdin model features the primary bedroom on the lower level with seperate bathroom which features double vanity with quartz counter top and walk-in shower as well as a walk in closet. Laundry w/stackable washer\dryer also located on lower level. Upstairs you will enjoy an open concept with balcony off of the great room. Kitchen features white cabinets with soft close, quartz counter tops w/bar seating as well as a seperate dining area and double door pantry. There are 2 secondary bedrooms as well as a full bath w/linen closet. All appliances convey also included soft water system and RO. The attached 2 car garage has plug for EV. Located close to dining and shopping. Don't miss out on making this home yours!

778 S Olympic Drive, Gilbert
$325,000
2 Beds ⋅ 2 Baths ⋅ 7026747 MLS ⋅ 897 SqFt.
LAKEFRONT CONDO Living in Chandler Near Shopping, Dining & Loop 101! Ground-floor lakefront condo in a gated Chandler community with direct water views, private patio access, and resort-style amenities near Dobson Rd & Ray Rd. This remodeled 2-bedroom, 2-bath condo offers approximately 897 sq ft and covered patio overlooking the lake, plus exterior storage space. Fishing and boating are permitted on the community lake, creating a unique waterfront lifestyle in the heart of Chandler. Interior upgrades completed in 2022 include wood-look tile flooring throughout, refinished cabinetry, Dunn-Edwards interior paint, LED lighting, faux wood blinds, updated fixtures, and remodeled bathrooms. The kitchen features quartz-look countertops, gray shaker-style cabinets, black appliances microwave, dishwasher, refrigerator, and glass-top range. Full-size washer and dryer included. The primary suite offers lake views, a large walk-in closet, detached vanity area, and a remodeled walk-in shower with multiple shower heads including a rain shower feature and upgraded Moen fixtures. Guest bath includes a 5-foot soaking tub and updated vanity. Sliding glass doors open directly to the covered patio overlooking the lake, ideal for outdoor dining, relaxing, or enjoying sunset water views. Community amenities include 3 swimming pools, fitness center, tennis courts, BBQ areas, walking/jogging paths around the lake, covered parking, and gated entry. Additional updates include new HVAC and water heater installed in 2024. HOA covers water, sewer, and trash. Located 0.3 miles to Fry's Marketplace, 0.4 miles to Sprouts Farmers Market, 0.5 miles to Pita Jungle, 1.5 miles to Loop 101 access, 2.0 miles to Chandler Fashion Center, and 3.5 miles to Intel's Chandler campus. Convenient access to dining, shopping, parks, golf, and major employment corridors throughout Chandler and the East Valley!

1825 W Ray Road Unit 1113, Chandler
$450,000
2 Beds ⋅ 2 Baths ⋅ 7026732 MLS ⋅ 1,633 SqFt.
Welcome to Tuscany Villas at Painted Mountain Golf Course -- a highly sought-after gated, lock-and-leave community offering effortless desert living and resort-style amenities. This rare free-standing golf course villa, creating the perfect opportunity for full-time living or a seasonal retreat. Designed with an open-concept layout, the home offers comfortable and functional living spaces ideal for both everyday enjoyment and entertaining. The kitchen features stainless steel appliances, granite countertops, a large prep island, abundant cabinetry, and seamless flow into the dining and family room areas. Expansive windows invite in beautiful natural light, while tile flooring throughout the main living areas provides both style and easy maintenance. The spacious owner's suite is a private retreat featuring a bay window sitting area, walk-in closet, and an en-suite bath complete with dual sinks, a relaxing soaking tub, and walk-in shower. The secondary bedroom functions as a true en-suite with a tub/shower combination, offering comfort and privacy for guests. Additional highlights include a laundry room with added cabinetry for storage and a spacious two-car garage. Step outside to your private backyard retreat featuring an electric awning, extended patios and a built-in gas firepit with seating -- the perfect setting for relaxing Arizona evenings and outdoor entertaining. Enjoy the convenience of a single driveway, low-maintenance living, and the exceptional lifestyle Tuscany Villas is known for. Residents enjoy access to community amenities including a clubhouse, heated pools and spa, fitness center, pickleball courts, billiards, scenic walking paths, and beautifully maintained grounds. HOA includes: roof maintenance, exterior maintenance, front landscaping, cable, internet, and blanket insurance coverage -- delivering exceptional lock-and-leave convenience. Residents of Tuscany Villas enjoy resort-style amenities including a clubhouse, pools and spa, fitness center, pickleball courts, billiards, landscaped parks, playgrounds, and scenic walking paths -- all supporting an active and vibrant lifestyle.

6202 E Mckellips Road Unit 190, Mesa
$459,000
2 Beds ⋅ 3 Baths ⋅ 7026684 MLS ⋅ 1,536 SqFt.
Experience the best of Tempe at this FULLY FURNISHED three-story 2-bed/2.5-bath Chicago style Brownstone townhome with brand NEW HVAC, washer, dryer (2025) and a community pool! Best location in Tempe - close proximity to Mill Ave, Tempe Beach Park, and ASU. Discover a welcoming living room and family room, perfect for entertaining or relaxing, where abundant natural light fills every corner. Formal dining room is ready for hosting dinner parties. Thoughtful touches such as wood-look tile flooring and fresh paint throughout create a bright and inviting atmosphere. Well-appointed kitchen displays recessed lighting, stainless steel appliances, ample cabinetry, and granite counters. Airy primary bedroom is upstairs for extra privacy, complete with a private bathroom featuring a shower & . . . tub combo and a walk-in closet. After a busy day, unwind on the cozy balcony or go for a swim in the community pool. Hurry, This amazing gem is the one you're looking for!

570 W 6th Street, Tempe
$319,900
2 Beds ⋅ 2 Baths ⋅ 7026433 MLS ⋅ 1,304 SqFt.
Welcome to this Beautiful 2 Bed/2 Bath Townhome on the Lake in Leisure World. Enter into a very spacious home with vaulted ceilings and Amazing views to the lake! The kitchen has newer cabinets, stainless appliances, and pantry. The Primary bedroom is also spacious with views to the lake. The guest bedroom has its own patio area! Walk out to the private & peaceful patio w/newer deck with newer retractable awnings...great for relaxing or entertaining! The home is close to Rec. 1, the Pickleball Courts and main pool, with just a short walk across the bridge. Newer Windows Throughout! Washer/Dryer 2 months old! The HOA takes care of the exterior of the home including the roof. Leisure World offers 36 holes of private golf, tennis, pickle ball, swimming pools, fitness center & much more!

698 Leisure World --, Mesa
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