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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

$395,000
2 Beds ⋅ 2 Baths ⋅ 7057908 MLS ⋅ 1,104 SqFt.
This charming 2-story townhome in the gated Villagio at Tempe is move-in ready! It features 2 bedrooms, 2 bathrooms, & a 1-car garage with epoxy floors. The interior boasts vaulted ceilings, a neutral palette, tile & wood-look flooring t/out, and tons of natural light for a fresh & airy feel. You'll love the separate dining room! The open layout connects the kitchen & living areas, perfect for entertaining. A walk-in pantry, wood cabinetry, granite counters, and peninsula w/breakfast bar make up the culinary space. The main suite includes a private bath with a walk-in closet! It also includes access to the cozy balcony for outdoor relaxation. Enjoy access to the nearby sparkling pool & spa and a greenbelt, just behind the building! Directly across from spring training! Don't miss this gem!

2401 E Rio Salado Parkway Unit 1139, Tempe
$275,000
3 Beds ⋅ 2 Baths ⋅ 7057853 MLS ⋅ 1,144 SqFt.
Fresh, clean, and move-in ready! This Tempe condo features brand-new flooring throughout and a freshly repainted interior. The functional layout includes three bedrooms, two bathrooms, a spacious living area, and a private enclosed patio with additional exterior storage. The refrigerator, washer, and dryer are all included. An assigned covered parking space is conveniently located just outside the gate to the home. Great Tempe location near ASU, with easy access to the Loop 101 and 202 freeways, shopping, dining, and entertainment. Whether you're looking for a primary residence, housing near ASU, or an investment property, this condo is ready for its next owner!

826 S Casitas Drive Unit B, Tempe
$365,000
3 Beds ⋅ 2 Baths ⋅ 7057771 MLS ⋅ 1,380 SqFt.
Welcome home to this BEAUTIFULLY MAINTAINED 3 bedroom, 2 bathroom townhome in the sought after Tesoro at Greenfield community. The thoughtfully designed OPEN-LAYOUT offers a spacious floor plan with rich HARDWOOD flooring, VAULTED ceilings, and abundant NATURAL LIGHT that creates an inviting atmosphere throughout. The kitchen is well appointed with GRANITE countertops, wood cabinetry, built in appliances, a center ISLAND with breakfast bar seating, and plenty of counter space. A DOWNSTAIRS OFFICE provides the flexibility to create the perfect home workspace, playroom, or additional living area to fit your lifestyle. Upstairs, the private primary suite features a WALK-IN closet and an ensuite bath with DUAL VANITIES, while the additional bedrooms offer comfortable space for family or guests. Step outside to a low maintenance backyard complete with ARTIFICIAL TURF and a COVERED PATIO, perfect for relaxing or enjoying Arizona evenings. A rear entry 2 CAR garage and access to the community POOL add even more convenience. One of the community's most desirable floor plans paired with an unbeatable location just minutes from Downtown Gilbert's popular restaurants, shopping, and entertainment, plus CONVENIENT FREEWAY access, makes this home an exceptional place to call home.

1350 S Greenfield Road Unit 1202, Mesa
$444,999
3 Beds ⋅ 3 Baths ⋅ 7057755 MLS ⋅ 1,399 SqFt.
Welcome to this beautifully maintained 3-bedroom, 2.5-bath home in desirable Gated Villagio at Tempe! Across from Cubs stadium, near all shopping! Located on the quiet side of 280 S Evergreen with abundant guest parking, this home offers an east-facing orientation for morning sun without the intense afternoon heat. Enjoy a private backyard with no neighbors directly behind. The HOA covers exterior maintenance, roof, blanket insurance, and exterior pest control. Updates include a high-efficiency 16 SEER A/C ( 5 years old), newer water heater, granite countertops, and refreshed downstairs flooring in 2025. Pride of ownership and consistent maintenance throughout! This one is the right one for you and your family. 2 Car garage and fresh backyard for you to imagine with pavers and

280 S Evergreen Road Unit 1247, Tempe
$499,900
3 Beds ⋅ 2 Baths ⋅ 7057754 MLS ⋅ 1,862 SqFt.
Welcome to 326 E. Huntington Dr., Tempe, AZ 85282, where modern upgrades, an unbeatable location, and exceptional privacy come together to create the perfect place to make home. This beautifully renovated, move-in-ready townhome has been thoughtfully updated from top to bottom, offering the ideal combination of style, comfort, and low-maintenance living. From the moment you step inside, you'll appreciate the bright, open layout, contemporary finishes, and inviting living spaces designed for both everyday living and effortless entertaining. Every detail has been carefully considered, making this home truly turnkey so you can simply move in and start enjoying everything Tempe has to offer. What truly sets this home apart is its premium location within the community. Unlike most units, this desirable townhome is uniquely surrounded by expansive grassy common areas to the right side and rear of the property, creating a peaceful setting with added privacy, beautiful views, and a spacious feel that's rarely available. Enjoy your morning coffee or unwind after a long day on the private patio while overlooking the lush greenbelt instead of neighboring homes. MAJOR 2026 UPDATES INCLUDE: AC REPLACED 2026 ROOF RECOATED 2026 ALL SEWER LINES RELINED 2026 Location is everything, and this home delivers. Ideally situated in the heart of Tempe, you're just minutes from Arizona State University, Tempe Marketplace, Mill Avenue, Sloan Park, Tempe Town Lake, top-rated restaurants, shopping, entertainment, and endless recreation. Commuting is effortless with quick access to Loop 101, Loop 202, US-60, and I-10, placing the entire Valley within easy reach. Whether you're a first-time homebuyer, investor, busy professional, or looking to downsize without sacrificing quality or location, this home checks every box. Opportunities like this don't come around often, especially with extensive recent improvements, unmatched privacy within the community, and a prime Tempe location. Homes with this level of updating, privacy, and location don't stay on the market long. Experience everything this exceptional townhome has to offer!

326 E Huntington Drive, Tempe
$265,000
2 Beds ⋅ 2 Baths ⋅ 7057478 MLS ⋅ 1,037 SqFt.
Prime location! Close to ASU, MCC, Tempe Marketplace, Mesa Riverview, and other Tempe/Mesa hot spots! Two good sized bedrooms, two bathrooms, separate laundry room, private patio with storage. Great for personal use or as an investment. Get it while you can!

1870 E Kirkland Lane, Tempe
$325,000
2 Beds ⋅ 2 Baths ⋅ 7057254 MLS ⋅ 1,056 SqFt.
This is a recently remodeled 2-bedroom, 2-bathroom townhouse, located in a small, quiet community. This home is move-in ready. It features a fully remodeled interior with open-concept living space, featuring Tile floors and new carpet in the bedrooms. The refreshed kitchen with stainless steel appliances and quartz counters flows seamlessly into the dining and living areas. The primary suite offers a private, peaceful retreat with its own beautifully updated en-suite bathroom. Both bathrooms have been tastefully updated with modern finishes. The north facing backyard with large turf area is perfect for get togethers, while the covered patio is perfect for morning coffee and weekend BBQs. It combines single-family feel with the low-maintenance perks of a townhome community.

2926 E Isabella Avenue, Mesa
$340,000
3 Beds ⋅ 3 Baths ⋅ 7057228 MLS ⋅ 1,242 SqFt.
Discover unparalleled comfort in this remodeled end-unit townhome. This spacious residence boasts 3 bedrooms and 2.5 bathrooms, thoughtfully designed for modern living. The primary suite, conveniently located downstairs offers an attached bath. Step inside to an inviting atmosphere, refreshed with new interior paint and stylish LVP and tile flooring throughout. The heart of the home, the kitchen, shines with white cabinets, granite countertops, and new stainless steel appliances including refrigerator. Enjoy indoor-outdoor living with a large, private rear patio, perfect for entertaining or quiet relaxation. You will appreciate access to two sparkling community pools and a basketball court, which offer endless recreational opportunities.

860 N Mcqueen Road Unit 1114, Chandler
$280,000
3 Beds ⋅ 2 Baths ⋅ 7056661 MLS ⋅ 1,490 SqFt.
Welcome to LEISURE WORLD! This charming single-story home featuring 3 bedrooms, 2 bathrooms, and a functional layout with white cabinetry, granite countertops, and stainless steel appliances. Complete with a leased water softener and reverse osmosis system! Tile and vinyl flooring offer easy maintenance, while an attached garage and covered patio overlook a fenced backyard. Located in Leisure World, a premier 24/7 gated, patrol-secured community, you'll enjoy two 18-hole golf courses, tennis & pickleball courts, pools, fitness center, walking paths, woodshop, art studios, theater, ballrooms, and endless activities!

482 Leisure World --, Mesa
$330,000
3 Beds ⋅ 3 Baths ⋅ 7056634 MLS ⋅ 1,379 SqFt.
Welcome home to this beautiful 3-bedroom, 2.5-bath townhouse with a den and a bright, open floor plan. The spacious kitchen features stainless steel appliances, a kitchen island, and abundant cabinet storage, making it perfect for both everyday living and entertaining. Upstairs, the inviting primary suite boasts vaulted ceilings, a generous en-suite bath with dual sinks, and additional storage. Plus, there are two spacious secondary bedrooms and a bathroom. Step outside to enjoy the covered patio and relax year-round in the above-ground spa. Complete with a two-car garage and access to a sparkling community pool, this home offers the perfect blend of comfort, convenience, and low-maintenance living.

2024 S Baldwin -- Unit 22, Mesa
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