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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?
Call/text us at (480) 442-2502 or click the LIVE CHAT below.

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

$360,000
3 Beds ⋅ 2 Baths ⋅ 7008515 MLS ⋅ 1,227 SqFt.
Welcome to 3127 S Eugene, recently enhanced with fresh interior paint throughout. The kitchen features all stainless steel appliances, complementing the updated interior. This property provides a functional layout with updated features and usable outdoor areas. Come visit now! Included 100-Day Home Warranty with buyer activation

3127 S Eugene --, Mesa
$244,000
2 Beds ⋅ 1 Baths ⋅ 7008365 MLS ⋅ 903 SqFt.
This beautifully updated 2-bed 1-bath townhome is tucked away in the quiet rear of a conveniently located community, just steps from parking and sparkling community pool. New roof (2025), A/C (2023) and smart thermostat offer added peace of mind. Upstairs, you'll find two bedrooms, a bathroom with updated tub/shower surround and add'l hall storage.A private patio welcomes you into this freshly painted home featuring eat-in kitchen, spacious pantry, stainless steel appliances, solid wood shaker cabinets and durable epoxy countertops. The light-filled living room highlights updated flooring that flows seamlessly throughout, creating a cohesive feel. The laundry area is conveniently located in an enclosed utility room on the patio, which is perfectly positioned to take in Arizona's sunsets. Ideally situated near freeways, shopping, MCC, Banner hospital and more.

600 S Dobson Road Unit 177, Mesa
$399,900
2 Beds ⋅ 3 Baths ⋅ 7008082 MLS ⋅ 1,476 SqFt.
Welcome to the LIVE • WORK • PLAY lifestyle in the highly sought-after gated community of Annecy in Gilbert. This immaculately maintained 2-bedroom, 2.5-bath home offers the perfect blend of modern style, comfort, and low-maintenance living. Step inside to an open-concept floorplan filled with natural light, where large windows create a bright, inviting space for everyday living. The home features upgraded flooring and a spacious living area ideal for relaxing or entertaining. At the heart of the home is the modern kitchen, complete with quartz countertops, stainless steel appliances, and a spacious peninsula that provides plenty of prep space for cooking or gathering with guests. Clean lines and thoughtful design give the space a sleek, contemporary feel. Both bedrooms serve as privat retreats with en-suite bathrooms, offering comfort, privacy, and abundant natural light. The bathrooms feature stylish finishes designed with both function and relaxation in mind. Enjoy the benefits of low-maintenance, lock-and-leave living, perfect for those who love to travel or simply want a carefree lifestyle. Residents of Annecy enjoy access to community pools, scenic lakes, and walking paths, creating a peaceful setting to relax and unwind throughout the year. Located just minutes from top shopping, dining, entertainment, hospitals, and major freeways, Annecy offers the perfect mix of convenience and community charm. This is a great opportunity to enjoy stylish, comfortable living in one of Gilbert's most desirable gated communities. Welcome home.

1747 E Chelsea Lane, Gilbert
$408,000
3 Beds ⋅ 3 Baths ⋅ 7008023 MLS ⋅ 1,463 SqFt.
Beautifully maintained 3 bed, 2.5 bath 2020-built home conveniently located near major freeways for easy commuting. Step inside to a bright, open layout filled with natural light and upgraded cabinetry, perfect for everyday living and entertaining. Upstairs features a split floor plan with a convenient laundry room and spacious bedrooms. The primary suite includes dual sinks, a large walk-in closet, and a private ensuite. Enjoy a low-maintenance backyard with pavers and artificial turf, ideal for relaxing or hosting. Additional highlights include epoxy garage floors, water softener, and included washer, dryer, and refrigerator. HOA maintains front landscaping and offers access to a pool, parks, and playgrounds. Move-in ready and designed for easy living!

1654 S 82nd Way, Mesa
$459,900
3 Beds ⋅ 2 Baths ⋅ 7007986 MLS ⋅ 1,774 SqFt.
MOTIVATED SELLER! You don't want to miss this gorgeous, freshly updated 3-bedroom townhome in the sought-after Tuscany Villas at Painted Mountain! Freshly painted interior with all new lighting! Inside, you'll discover sizable living spaces ready for gathering with your loved ones and spending relaxing evenings. The kitchen is equipped with everything you need for easy home cooking, including ample cabinetry, essential appliances, and plenty of counter space. The main bedroom is a true retreat, offering a walk-in closet and a private bathroom for added comfort. You can enjoy your morning coffee under the covered patio, and don't forget to visit the community's pool, spa, and clubhouse! Welcome home!

6202 E Mckellips Road Unit 19, Mesa
$320,000
3 Beds ⋅ 3 Baths ⋅ 7007926 MLS ⋅ 1,512 SqFt.
Two-level townhome featuring three bedrooms and two-and-one-half bathrooms. The main level offers a living room, breakfast nook, and kitchen. Upstairs, you'll find all three spacious bedrooms. The private backyard includes pavers for easy maintenance. The community offers two pools and walking paths throughout the complex. Located in Chandler, close to schools, restaurants, and with easy access to the 202 Freeway and Highway 60.

860 N Mcqueen Road Unit 1121, Chandler
$290,000
2 Beds ⋅ 2 Baths ⋅ 7007801 MLS ⋅ 1,032 SqFt.
Embrace comfort in this updated 2-bedroom townhome. Light and bright, no popcorn ceilings, no carpet. Check out the perfectly flowing living & dining room, featuring LV wood-look flooring throughout, new baseboards. Neutral tones and sliding glass doors create an indoor-outdoor living experience. Spotless kitchen comes with recessed lighting, almost new stainless steel appliances, sparkling white quartz counters, and a breakfast bar. Venture to the sizable primary bedroom, offering a brand new white $10,000 master shower. Large master closet. I laundry room fantastic front-loading washer and dryer are included. Unwind under the covered and quiet south patio, an inviting space to relax. Take advantage of the exceptional Community amenities. Hurry! Super clean, furnished, move-in ready

7709 E Columbine Way, Mesa
$254,000
2 Beds ⋅ 2 Baths ⋅ 7007572 MLS ⋅ 870 SqFt.
Welcome home! This affordable 2-bedroom townhome in the heart of Chandler is full of charm and just minutes from Gilbert. Enjoy peace of mind with a new AC system (2026) and new dishwasher. The refreshed kitchen shines with sage cabinetry, a stainless GE range, and double sink. Upstairs, two bright bedrooms await, including a larger room with fresh paint, high ceilings, ceiling fan, and mirrored closets. Freshly painted hallways add a clean, move-in-ready feel. Relax by the community pool surrounded by mature trees and desert landscaping. Covered assigned parking, close to schools, parks, shopping, and dining. Priced to let you make it your own -- seller offering 1% concession toward closing costs/rate buy down on acceptable offers, plus a 1-year home warranty!

1601 N Saba Street Unit 302, Chandler
$360,000
3 Beds ⋅ 2 Baths ⋅ 7007429 MLS ⋅ 1,374 SqFt.
Seize the chance to own this end-unit townhome in the Gardens Tempe! You're welcomed by a 2-car garage, a low-maintenance desert landscape, & an inviting front patio. Inside, the living room features a cool palette, stylish wood-look flooring, & a cozy fireplace for relaxing evenings w/ loved ones. The well-appointed kitchen comes w/ granite counters, ample wood cabinetry, built-in appliances, & a convenient pass-through w/ a breakfast bar for casual meals. The tranquil primary bedroom includes a private bathroom for added comfort. Spend quiet afternoons on the open patio, perfect for enjoying a good book or a refreshing drink. The Community boasts lush green spaces, tennis courts, a refreshing pool, & an ideal location close to schools, parks, bus stops, & shopping and ASU!

1430 N Dorsey Lane, Tempe
$430,000
2 Beds ⋅ 2 Baths ⋅ 7007210 MLS ⋅ 1,303 SqFt.
Welcome to Tuscany Villas at Painted Mountain Golf Course -- a gated, lock-and-leave community offering carefree, resort-style living. This exceptional golf course villa showcases true pride of ownership and is ideally situated on a premium lot with golf course views and desirable east/west exposure. A private gated courtyard entry and unique front fenced patio create the perfect setting for relaxing or gathering with friends. Designed with an open-concept layout, the home offers comfortable and functional living spaces ideal for both everyday living and entertaining. The kitchen features granite countertops, stainless steel appliances, a Bosch dishwasher with built-in water softener, abundant cabinetry, and seamless flow into the dining and family room areas. Large windows fill the Villa with natural light, while tile flooring throughout the main living areas and updated light fixtures enhance the home's style and ease of maintenance. The spacious owner's suite offers a peaceful retreat with a bay window sitting area, crown molding, two-tone paint, walk-in closet, and an en-suite bath complete with dual sinks and a walk-in shower. The secondary bedroom functions as a true en-suite with a tub/shower combination and features a custom real wood Murphy bed, providing both versatility and a stylish built-in feature--perfect for guests or a flexible living space. Additional highlights include a laundry room with extensive cabinetry for storage and a spacious two-car garage. Step outside to your private backyard retreat featuring an extended patio, view fencing, and electric awning--the perfect setting to enjoy Arizona sunsets, golf course views, and outdoor entertaining. A stoned pavers driveway, low-maintenance living, and the exceptional lifestyle Tuscany Villas is known for complete this outstanding home. HOA includes: roof and exterior maintenance, front landscaping, cable, internet, and blanket insurance--providing true lock-and-leave convenience. Residents enjoy resort-style amenities including a clubhouse, heated pools and spa, fitness center, pickleball courts, billiards, landscaped parks, playgrounds, and scenic walking paths--all designed to support an active and vibrant lifestyle.

6202 E Mckellips Road Unit 297, Mesa
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