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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!

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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

$400,000
2 Beds ⋅ 2 Baths ⋅ 7078065 MLS ⋅ 1,321 SqFt.
Experience effortless resort style living in this beautifully maintained home, ideally situated within Encanterra's sought after Resort Collection. Designed for the ultimate lock and leave lifestyle, this home is equally suited for a full time residence or the perfect Arizona winter escape. Thoughtful upgrades and timeless finishes are found throughout, including tile flooring, plantation shutters, and upgraded lighting that create a polished yet inviting feel. At the heart of the home, the upgraded chef's kitchen offers a beautiful and functional space for everyday living and entertaining. A thoughtfully designed office alcove provides the perfect place to work from home or manage daily tasks without sacrificing valuable living space. Even the garage has been elevated, featuring epoxy f eaturing epoxy flooring and custom cabinetry for exceptional organization and additional storage, an especially valuable feature for seasonal homeowners. The golf cart may also be available, making it even easier to embrace the Encanterra lifestyle from the moment you arrive. Low maintenance, beautifully cared for, and designed with convenience in mind, this is the kind of home that allows you to simply lock the door and go. Spend less time maintaining your home and more time enjoying everything that makes Encanterra so special, from resort style amenities and golf to dining, fitness, activities, and an incredible sense of community. Whether you are looking for your year round Arizona home or a warm weather retreat, this is an exceptional opportunity to enjoy the Encanterra lifestyle with ease.

708 E Cobble Stone Drive, Queen Creek
$295,000
2 Beds ⋅ 3 Baths ⋅ 7078056 MLS ⋅ 1,184 SqFt.
INVESTORS this is the home for you! Tenant occupied and lease in place! Beautiful 2 BR, 2.5 bath two-story townhouse. Two master BR's. Fireplace. Granite countertops, undermount kitchen sink, Matching black kitchen appliances; cook top stove. Washer/dryer/fridge all included. Ceiling fans throughout. Small private yard. Quiet area towards the back of the complex. Beautifully maintained, sparkling community pool (see pictures). Great public and charter schools in the area. Close to downtown Chandler.

1961 N Hartford Street Unit 1101, Chandler
$399,000
2 Beds ⋅ 2 Baths ⋅ 7078042 MLS ⋅ 1,809 SqFt.
BETTER THAN NEW Townhome In Premier Gated Community Offered Turnkey Furnished & Move In Ready! NEW ROOF, NEW Heating & Cooling, NEW Paint, NEW Carpet, GORGEOUS Neutral Tile, NEW Appliances, NEW Pavers, New Window Treatments, NEW RO, NEW Fountains, Upgraded Fans, Fixtures & Hardware T/O & SO Much More! Tranquil Entrance w/Fountain Opens T/O Beautiful Vaulted Ceiling Great Room & Gorgeous Dining & Kitchen! Backyard w/Extended Pavers Perfect For Relaxing & Entertaining! Stunning Home - Lock and Leave Gated Community!

8762 E Sandtrap Court, Gold Canyon
$475,000
3 Beds ⋅ 3 Baths ⋅ 7077986 MLS ⋅ 1,950 SqFt.
Some homes simply make life easier--and this beautifully enhanced Avaton is one of them. Tucked into the heart of Encanterra, this residence puts you remarkably close to the community's two clubhouses, making it easy to step out your front door and into the social, active lifestyle you've been looking for. Inside, the home has been thoughtfully transformed with approximately $120,000 in owner-selected improvements. New luxury vinyl flooring sets a fresh, sophisticated foundation, complemented by white shaker cabinetry, upgraded countertops, an enhanced appliance package and built-in speakers that make the home feel polished without sacrificing warmth. The open great room is the natural gathering place, flowing seamlessly into the chef's kitchen and creating a layout that works just as beautifully for a quiet morning at home as it does for entertaining friends. The owner's suite is conveniently located on the main level, offering privacy and ease, while the upper level introduces an entirely different dimension to the home. A spacious loft and additional bedroom can become whatever your life calls for--a private guest retreat, creative studio, fitness space, media lounge or simply a place to disappear with a good book. The flexibility is yours. And perhaps the greatest luxury is what you don't have to do. This is a home designed for low-maintenance living, allowing you to spend less time on upkeep and more time enjoying everything Encanterra has to offer. Golf, dining, recreation, fitness, social gatherings and endless opportunities to enjoy the Arizona sunshine are all part of the experience. Here, the lock-and-leave lifestyle doesn't mean giving something up--it means gaining more time to enjoy the life you've worked for. Welcome to the easy side of Encanterra.

845 E Silversword Lane, Queen Creek
$495,000
2 Beds ⋅ 3 Baths ⋅ 7077858 MLS ⋅ 1,811 SqFt.
Immaculate 2-3 bedroom gated townhome located on the 3rd fairway of Sidewinder Golf Course in Tesoro. Enjoy some of the best Superstition Mountain Views in Gold Canyon from this beautifully maintained home. The kitchen features new cabinets, laminate flooring and updated appliances. New stackable washier and dryer upstairs. Versatile office or guest bedroom includes a Murphy bed. Covered brick patio plus a private balcony off one of the two primary suites which offers a garden tub, separate shower, walk-in closet and stunning golf course views. Clubhouse with heated pool. spa and exercise room. This property makes for a great home or vacation rental. Offered partially furnished as a turn-key opportunity -- this is a must see!!

5273 S Overlook Trail, Gold Canyon
$280,000
2 Beds ⋅ 2 Baths ⋅ 7077715 MLS ⋅ 1,119 SqFt.
Welcome home to this beautifully 2-bedroom, 2-bath in East Mesa! This upstairs home features a desirable living floor plan, new carpet, fresh interior paint, a new AC unit, and a new water heater. The home is located in a gated community offering a community pool, parks, and golf course access. Conveniently located near the US 60 and Loop 202, with easy freeway access, Mesa Gateway Airport, shopping, and dining.

2024 S Baldwin -- Unit 23, Mesa
$327,000
3 Beds ⋅ 2 Baths ⋅ 7077600 MLS ⋅ 1,116 SqFt.
THIS IS IT!!!!GREAT INVESMENT OPPORTUNITY WITH GREAT PONTENTIAL !!! LOCATION!!!LOCATION!!!LOCATION!! GREAT DESIRABLE NEIGHBORHOOD!! NICE AND COMFORTABLE OPEN SPACE WITH VAULTED CEILINGS!! DO NOT LOOSE THIS OPPORTUNITY!!

876 S Nebraska Street Unit 10, Chandler
$357,500
3 Beds ⋅ 2 Baths ⋅ 7077432 MLS ⋅ 1,464 SqFt.
Charming townhome offering comfortable living and convenient amenities! The light-filled interior features soaring vaulted ceilings and wood-look flooring, creating an open and inviting atmosphere. The spacious living room is ideal for relaxing or entertaining. The kitchen has stainless steel appliances, rustic cabinetry, granite countertops, and a breakfast bar perfect for casual dining or morning coffee. The main bedroom offers a walk-in closet and private bathroom for added convenience. Upstairs bedrooms feature mirrored-door closets, providing both style and ample storage. A versatile loft offers flexible space for a media area, home office, or additional living space. Additional highlights include a 2-car garage and a desirable location near parks, walking path, dining & shopping.

4330 E Jasper Drive, Gilbert
$315,000
2 Beds ⋅ 3 Baths ⋅ 7077375 MLS ⋅ 1,122 SqFt.
Exterior charm like 1600 N Saba in Chandler, AZ is where a house becomes a home, specifically unit 132 featuring 2 beds, 2.5 bathrooms, and beautiful upgrades throughout!! When you enter, you're attention is captured by the light wood-look LVP throughout, natural light, and tastefully upgraded 1/2 bath downstairs. Upstairs both bathrooms have been updated to continue the bright and airy feel the home provides. Both bedrooms feature the neutral and stunning LVP. Upstairs laundry is conveniently located between both bedrooms. Seller has carefully updated many areas in the home: 2024- All Flooring, Vanity's / shower/ tub / toilets, whole interior paint, NEW water heater + main water line piping and in 2025 - NEW WINDOWS, blinds + fans. No detail has been overlooked! Outdoors you can enjoy Arizonas sunsets in your private courtyard, spacious enough for seating or a patio table. You'll find private storage out back with a gate leading to your dedicated carport parking spot. Your home is conveniently located near the community pool, just minutes away from downtown Chandler, freeways (loop 202, 60, and 101). This location is a highly desired prime area of Chandler and move in ready for you!

1600 N Saba Street Unit 132, Chandler
$379,000
2 Beds ⋅ 3 Baths ⋅ 7077364 MLS ⋅ 1,321 SqFt.
$2,382.55 ASSUMABLE MONTHLY PAYMENT === Beautiful townhouse offering dual Owner Suites, 3 baths, and an open floor plan with 9+ flat ceilings. The living room provides a welcoming space for relaxing and entertaining. The stylish kitchen features quartz countertops, stainless steel appliances, tile backsplash, modern cabinetry, and a pantry. Upstairs, the spacious primary bedrooms offers a vanity sink, step-in shower, and walk-in closet. A versatile loft provides additional space for an office, media area, or retreat. Enjoy the private patio and low-maintenance landscaping. Located in a gated community with biking and walking paths, a children's playground, and convenient access to a nearby bus stop. Don't miss this great Laveen opportunity!

7527 W Donner Drive, Laveen
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