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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

$314,500
2 Beds ⋅ 2 Baths ⋅ 7025376 MLS ⋅ 1,091 SqFt.
Embrace easy living in this remodeled, move-in ready 2-bedroom, 2-bath townhouse located in the highly desirable Greenfield Glen 55+ community. Thoughtfully updated from top to bottom, this charming home features a bright open-concept layout with new flooring, updated appliances, stylish light fixtures, and contemporary finishes throughout. New windows . It is a FHA/VA approved property Designed for comfort and convenience, this low-maintenance property is perfect for a lock-and-leave lifestyle or year-round Arizona living. Residents enjoy resort-style community amenities including a sparkling pool, beautifully maintained grounds, and a peaceful, welcoming atmosphere. Affordably priced and beautifully updated, this is an exceptional opportunity to enjoy carefree living

1021 S Greenfield Road Unit 1075, Mesa
$365,000
2 Beds ⋅ 3 Baths ⋅ 7025371 MLS ⋅ 1,168 SqFt.
Buyer for this house may be eligible for up to $17,500 down payment assistance grant. Updated townhome in the prestigious community The Islands, which boasts amenities such as 74 Acres of Lakes, 30 Acres of Grass, Basketball court, Sand Volleyball Court, Bocce ball court, Playground, Facility Rental, Ramadas and Charcoal Grills. The house is filled with natural light spilled into each room from its brand new windows. Kitchen is completely updated. It is also equipped with smart switches, thermostats, and Ring doorbell. Custom shelving in the walk-in closet, laminated wood floor downstairs, curtains and blinds, for additional comfort. Spacious back patio adjacent to grassy greenbelt with towering pine trees. There are two primary bedrooms . It is updated for maximum energy efficiency and c and convenience. It is a perfect home for you.

405 S Seawynds Boulevard, Gilbert
$245,000
1 Beds ⋅ 1 Baths ⋅ 7025275 MLS ⋅ 673 SqFt.
Live like you're on vacation every day in Val Vista Lakes, this is what Arizona living is all about! Resort-style amenities right outside your door. Think beach pool, lap pool, pickleball, and a full gym so you cancel your membership, plus a clubhouse access for gatherings, & even another private heated pool just for Beach Club Village residents. And when you're not enjoying the lifestyle, you'll love coming home to this adorable condo featuring a one-car garage with the living space all on one level upstairs featuring vaulted ceilings, a cozy fireplace, two private balconies, and thoughtful upgrades throughout. Located just off the US 60, you're about 30 minutes to the airport and close to everything across the Valley. Low-maintenance, lock-and-leave, and all about the lifestyle!

1633 E Lakeside Drive Unit 25, Gilbert
$410,000
2 Beds ⋅ 2 Baths ⋅ 7025185 MLS ⋅ 1,781 SqFt.
Wow, a villa on the water and the greenbelt with over a 9,000 sq.ft. lot! What more could you want in the award winning 55+ community of Province? This home has a split floorplan with guest bedroom in front and the master in back overlooking the water. Both the kitchen and the master have bay windows overlooking the water. You will find outdoor living at it's finest with multiple seating areas from the covered patio to extended patio with pergola and built in BBQ then you have the firepit and another seating area down by the water so you can listen to the water fall. Or, you could take a nap in the hammock on the side of the house while listing to the water. Did we mention the furniture stays? Need a car? Take a look in the garage. All of this in the guard gated 55+ lake community of Province, a 55+ adult community with activities to meet all your needs including a putting green, catch and release lakes and over 5 miles of walking paths. Province proudly sports 9 beautiful, lighted and dedicated pickleball courts with a very large and active recreational and competitive club, practice your putting, enjoy a game of bocce or play a game of tennis, is nothing short of "retiring like you mean it!" To wrap it all up, inside the 32,000 square foot club house, you have a fitness center, lap pool, large card/game rooms, library, billiards room, ceramic, sewing, and computer center besides the quaint, gorgeous outdoor pool for perfect solitude or fun gatherings with friends and family. The Duke golf course is less than a mile away in Rancho el Dorado and Southern Dunes golf course is less than 5 miles away.

20705 N Lemon Drop Drive, Maricopa
$399,900
3 Beds ⋅ 3 Baths ⋅ 7025137 MLS ⋅ 1,555 SqFt.
Live the ultimate Gilbert lifestyle in this stunning 3-bed, 2.5-bath townhome just steps from the vibrant Heritage District. Imagine walking to brunch at Culinary Dropout, dinner at OSHO, or drinks at Postinos--all minutes from your front door. This modern home features a spacious great room with trendy tile plank flooring, granite countertops, and stainless appliances. Convenience is key with an upstairs laundry (washer/dryer included), a private covered balcony, and an extended two-car garage for extra storage. Located in a premier gated community, you'll enjoy resort-style amenities including two pools, a gym, volleyball, and a playground. With easy access to the US-60, medical centers, and top-tier shopping, this is the perfect blend of luxury and location. Don't miss out!

240 W Juniper Avenue Unit 1140, Gilbert
$300,000
2 Beds ⋅ 2 Baths ⋅ 7025090 MLS ⋅ 1,252 SqFt.
Welcome to Park Premier South Townhouses in beautiful Tempe Arizona! Imagine a quaint place that is close enough to all the areas you need to be or like to be. Whether you are a student attending/will be attending Arizona State University, first-time homebuyer or downsizing and like to be close to all the great things the City of Tempe has to offer. Yet have the tranquility of a cozy home with new Pella dual pane windows, warm luxury vinyl plank flooring and freshly painted ceiling in a wonderful community with great amenities. Live the lifestyle you desire! There are ample grassy courtyards with mature tress. Take a dip or lounge around the community pool. Get more physical activity in, play a pick up basketball game or tennis with friends and neighbors at the community courts.

6747 S Jentilly Lane, Tempe
$315,000
2 Beds ⋅ 3 Baths ⋅ 7025083 MLS ⋅ 1,245 SqFt.
Ideally located just minutes from the US-60, this well-maintained 2-bed, 2.5-bath townhome offers functional living. Enjoy low-maintenance living with access to community pools and amenities. Home includes smart living perks, reconditioned cabinets, updated fixtures, and a 2-car garage for added storage and convenience. Featuring an open layout with a spacious loft ideal for a home office or second living room and a family room, this home is perfect for anyone seeking comfort and convenience near shopping, dining, and everyday essentials.

1015 S Val Vista Drive Unit 28, Mesa
$247,500
2 Beds ⋅ 2 Baths ⋅ 7024769 MLS ⋅ 908 SqFt.
** CUTE AND VALUE PRICED TWO-BEDROOM UNIT WITH PRIVATE ONE-CAR GARAGE ** For added security, the Garage provides Direct Access into the Unit on the Ground Level (with the living area contained on the second level) ** The Garage also contains a Large ''L-Shaped'' Storage Area under the staircase ** Freshly Painted Interior and Garage ** Nice Sized Great Room, with Balcony ** Interior, Full-Size Washer (2022) and Dryer ** Kitchen with Complete Appliance Package (including Refrigerator) ** Vaulted Ceiling ** Ceiling Fans (2022) ** New Garage Door and Opener (2022) ** Community Pool ** Close to Multiple Freeways, Shopping, Restaurants, Schools, ASU and Sky Harbor **

1406 W Emerald Avenue Unit 103, Mesa
$299,999
2 Beds ⋅ 2 Baths ⋅ 7024749 MLS ⋅ 964 SqFt.
Beautifully updated 2-bedroom, 2-bathroom Mesa townhome... and honestly, the location alone is hard to beat. You're minutes from downtown Gilbert and downtown Mesa... which means coffee shops, restaurants, local events, and everything you love about the East Valley is right at your doorstep. Inside, this home has been thoughtfully transformed from top to bottom. The kitchen shines with new cabinetry, brushed-brass hardware, premium quartz countertops, a custom backsplash, and a full stainless-steel appliance suite. Both bathrooms have been refreshed with new vanities, modern fixtures, updated lighting, and a spa-like feel... the guest bath even includes new piping for long-term peace of mind. The upgrades go well beyond cosmetic. New flooring and baseboards throughout... fresh interior paint... all-new ceiling fans... updated electrical... custom blinds... a new dining room chandelier... and a redesigned master closet. The secondary bedroom features a custom wall-mounted oak desk, making it a home office you'll actually want to work in. Step outside and the backyard delivers. Eco-friendly turf, custom shade, decorative lighting, and updated exterior fixtures front and back... it's the kind of outdoor space that makes you want to stay home. Major systems have been updated too... water heater and side-of-house piping included. Community pool, light rail access, ASU, MCC, and major freeways all within easy reach. Move-in ready. Meticulously done. In one of the best-connected locations in the Valley.

2455 E Broadway Road Unit 65, Mesa
$299,999
2 Beds ⋅ 2 Baths ⋅ 7024338 MLS ⋅ 1,180 SqFt.
Loan is assumable at 5.625% through Cross Country Mtg. on approved credit. Check out this charming ground-floor end-unit in Mirage Manor Condominium! 2 beds & 2 baths w new A/C Aug 2024. The quiet front shaded porch welcomes you, ideal for relaxation. Enter to find a desirable open layout, perfect for everyday living & entertaining! A neutral palette creates an inviting atmosphere, complemented by carpet & tile flooring t/out. The kitchen boasts SS appliances, granite counters, wood cabinetry w/crown molding, and a peninsula w/breakfast bar. The main bedroom has a walk-in closet and a private bathroom for added comfort. For secure parking, the unit comes with a detached 1-car garage. You'll love the Community clubhouse, pool, spa, fitness center, playground, and landscaped green spa

2155 N Grace Boulevard Unit 113, Chandler
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