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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

$299,900
2 Beds ⋅ 2 Baths ⋅ 7021096 MLS ⋅ 972 SqFt.
$28,000 price drop on an exceptionally stylish Tempe condo close to Arizona State University! Modern single-level split bedroom floor plan with vaulted ceilings, clerestory windows & open layout filled with natural light. Fully updated with premium tile flooring, glass enclosed walk in shower in primary bath, granite countertops, stainless appliances, satin nickel fixtures & designer finishes throughout. Spacious private backyard features covered patio, mature orange tree & extra storage room. Inside laundry/pantry, covered parking beside front door & outstanding functional layout. One of the most impressive condos in the area -- discover it & make it yours before it is gone. :)

633 W Southern Avenue Unit 1152, Tempe
$340,000
4 Beds ⋅ 3 Baths ⋅ 7020919 MLS ⋅ 1,536 SqFt.
Minutes from Arizona State University and the Mill Avenue district. This NEWER ROOF, NEWER A/C, and NEW WATER HEATER- 2-story townhome offers 1,536 sq ft with 4 bedrooms and 2.5 bathrooms, All the major components have been handled, that's real peace of mind from day one. Inside you will get a move-in ready feel with tile in the main living areas and vinyl flooring throughout the bedrooms--no carpet anywhere. Updated shaker-style white cabinetry, stainless steel appliances, and a modern backsplash give the kitchen a fresh, finished look. Ceiling fans in every room add comfort throughout. Whether you're buying to live in or invest, the flexibility is there. Currently tenant-occupied on a month-to-month lease, with tenants open to staying. If you've been waiting for the right Tempe opportunity at the right price--this is one you don't sit on.

3941 S Mill Avenue, Tempe
$385,000
2 Beds ⋅ 2 Baths ⋅ 7020870 MLS ⋅ 1,622 SqFt.
Welcome to Sunland Village East active 55+ community where comfort, friendships, and scenic beauty come together in the heart of Mesa. Enjoy stunning views of the Superstition Mountain range, creating a picturesque backdrop for everyday living. This thoughtfully designed home features an open floor plan with neutral tones throughout, offering a light and inviting atmosphere. The main living areas and primary suite are finished with easy-care flooring--no carpeting--providing both style and functionality. Step outside to your own backyard oasis, perfect for relaxing, entertaining, and creating lasting memories with family and friends. Whether hosting gatherings or enjoying a quiet Arizona evening, this outdoor space delivers. Community offers an active lifestyle with something for everyone; monthly events, clubs, concerts, and endless opportunities to connect. Conveniently located near freeways, shopping, dining, and unique design shops showcasing your craftsmanship, you'll have everything you need just moments away. Outdoor enthusiasts will also appreciate the nearby recreation and adventure options. Experience the lifestyle you've been waiting for, come see this home today!

8260 E Keats Avenue Unit 475, Mesa
$329,000
2 Beds ⋅ 3 Baths ⋅ 7020837 MLS ⋅ 1,135 SqFt.
This beautifully maintained condo reflects true pride of ownership. Ideally situated within the community, the unit offers a rare combination of privacy and peaceful green space views from the patio. The kitchen is efficiently designed with stainless steel appliances and a functional layout that makes the most of the space. Thoughtful updates throughout the home include upgraded wood flooring, window shades, patio door shade, and updated lighting. Additional conveniences include a large washer and dryer, a built-in water softener, and a single-stall attached garage. Enjoy outdoor living on the nicely finished patio--perfect for relaxing or dining. The community also features a pool and a low HOA fee, adding to the ease of ownership.

1350 S Greenfield Road Unit 1216, Mesa
$210,000
1 Beds ⋅ 1 Baths ⋅ 7020711 MLS ⋅ 705 SqFt.
Come and check out this move-in ready condo! The property is super close to Downtown Chandler and it's in a Gated Community! This cozy 1-bedroom, 1-bath ground-floor property offers comfort, convenience, and style, with crown molding and a Bead board ceiling. With 705 square feet of thoughtfully designed living space, this home is perfect for first-time buyers, seasonal residents, or anyone looking for low-maintenance living. Step inside to find a bright and inviting family room featuring, a cozy tiled fireplace, and an open layout that flows into the dining area. The Kitchen is equipped with Stainless steel appliances, raised panel cabinet doors with decorative pulls. The bathroom has a Walk-in-Shower and a granite countertop for the sink! Full Washer and dryer Inside the unit too There is good storage here and a covered patio, all next to the greenbelt area! Hot water heater is about 2 years old!! This property is Just 1.5 miles away from the heart of Downtown Chandler, and puts you right around the corner from one of the East Valley's most vibrant dining scenes, shops and live music options. Whether you're in the mood for a laid-back patio brunch, craft cocktails, or a lively night out, you'll have it all within minutes. Fun Living here means your weekends can be spontaneous, your evenings effortless, and your social calendar as full (or relaxed) as you want it to be, all just minutes from your front door. There are more than 4 dozen locally owned restaurants and here are a few to check out: SanTan Brewing Company, The Perch Brewery, The Hidden House, Crust Simply Italian, DC Steak House, Blacksheep Wine Bar, The Brickyard Downtown, Elliot's Steakhouse, The Maple House, Murphy's Law Irish Pub, Craft 64 Chandler, Acqua di Mare, Snooze, an A.M. Eatery, Over Easy Plus you have the Downtown Chandler Farmers Market and Chandler Center for the Arts for many events!! The Crowne Plaza Phoenix-Chandler Golf Resort and Hilton Garden Inn too!

1075 E Chandler Boulevard Unit 104, Chandler
$405,000
3 Beds ⋅ 2 Baths ⋅ 7020541 MLS ⋅ 1,742 SqFt.
Here's your rare chance to own arguably the best Lakefront lot in La Mariposa Villas! Walking into this generously sized 3 Bed, 2 Bath you're instantly greeted with high ceilings and flooded with tons of natural light, highlighted by the direct lake views. This home has everything you need and want including a large primary suite with direct access to your patio with hot tub, ensuite primary bath with walk-in closet. The kitchen was recently remodeled with stainless steel appliances and tons of counter space. Your new flooring encompasses every square foot of this open floor plan. Enjoy the outstanding location and amenities including steps away from the community pool, easy guest parking, and tennis courts. Plenty of storage space with your 2-car garage. Shortlist this one!

1360 E Brown Road Unit 28, Mesa
$287,900
3 Beds ⋅ 3 Baths ⋅ 7020408 MLS ⋅ 1,255 SqFt.
**NEW A/C!** VERY well cared for Condo in a gated Community. Great location! This condo features a 2 car garage, new white kitchen cabinets 2021, fresh interior paint 2025, new updated light fixtures 2025, new roll down blinds downstairs 2024, new hot water heater in 2024, & updated shower in main bath 2024. Half bath is downstairs. 3 bed, and 2 baths upstairs. The new roof was completed by HOA within the last 2 years. All tile downstairs, including the stairs. NEW carpet upstairs Aug 2025! Full size washer & Dryer in hallway upstairs. Must see this adorable, CLEAN condo!

125 S 56th Street Unit 153, Mesa
$319,900
3 Beds ⋅ 2 Baths ⋅ 7019842 MLS ⋅ 1,339 SqFt.
Check out this charming 3-bedroom townhome! Explore the inviting living areas, featuring soft carpeting underfoot, tile in all the right places, track lights, and an earthy palette that makes every space feel warm and welcoming. The kitchen is complete with ample cabinetry, plenty of counter space, and built-in appliances for a seamless cooking experience. Get a good night's sleep in the main retreat, offering attached cabinetry for ample storage, a walk-in closet for added organization, and a private bathroom. The bonus is perfect for an office or pet space. Out back, you'll have an easy-care patio, perfect for weekend grills and peaceful evenings. What are you waiting for? Come see it before it's gone!

636 N Lesueur Circle, Mesa
$275,000
2 Beds ⋅ 2 Baths ⋅ 7019702 MLS ⋅ 870 SqFt.
Nestled in the heart of Chandler, this charming townhome offers a cozy living room with a corner fireplace. The upgraded eat-in kitchen features an R/O system and a breakfast bar. Upstairs, the bathroom shower was remodeled in 2023, and luxury vinyl flooring has been installed. The AC, washer, dryer, and water heater are all newer models. The kitchen cabinets have also been resurfaced, and the unit is equipped with smart switches for added convenience. On a cool morning, enjoy the private courtyard or take a dip in the community pool on a hot summer day.

1601 N Saba Street Unit 248, Chandler
$419,150
3 Beds ⋅ 3 Baths ⋅ 7019544 MLS ⋅ 1,534 SqFt.
Beautiful, professionally updated townhome located in the desirable gated community of Via De Cielo in Chandler. This home features several enhancements, including fresh interior paint, updated bathrooms and kitchen, luxury vinyl plank and gorgeous bathroom marble look tile. With abundant natural light and trees flanking the exterior, nature remains readily accessible. The thoughtfully designed floor plan offers comfortable daily living and ease of entertaining, with additional community features to enhance your quality of life. Whether enjoying the two resort-style pools, greenbelt areas, playgrounds, or ramadas with BBQ areas, this community will be perfect for relaxing or entertaining. Conveniently located near shopping, dining, and easy access to the 101 and 202 freeways.

900 S 94th Street Unit 1192, Chandler
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