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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

$260,000
3 Beds ⋅ 1 Baths ⋅ 7077257 MLS ⋅ 988 SqFt.
Discover this charming 2-story townhome in the Hallcraft Villas Mesa Community! Featuring 3 BEDROOMS, 1 bathroom, and a low-care landscape. Inside, you'll find abundant natural light, wood-look floors, and an excellent open floor plan, creating a fresh & airy feel. The eat-in kitchen is equipped with white shaker cabinetry, a pantry, SS appliances, a corrugated metal backsplash, a breakfast bar, and a breakfast nook. Sliding glass doors provide easy indoor-outdoor living. Upstairs, the bedrooms offer ceiling fans, ample closet space, and soft carpet floors. The backyard features a patio, artificial turf, and a separate laundry/storage room, ideal for relaxing or entertaining. Enjoy a fenced community pool, plus convenient access to US-60, Mesa Community College, and more. Don't miss this!

600 S Dobson Road Unit 98, Mesa
$399,999
2 Beds ⋅ 2 Baths ⋅ 7077188 MLS ⋅ 1,069 SqFt.
Welcome to refined Arizona living in this beautifully updated 2-bedroom, 2-bathroom gated end unit Casita, ideally situated in the heart of Chandler. Thoughtfully designed with comfort, style, and convenience in mind, this exceptional residence offers an elevated lock-and-leave lifestyle. Step inside to discover a bright atmosphere with ample windows on all four sides, sophisticated interior featuring stylish modern updates, quality finishes, and an inviting open-concept layout designed for effortless everyday living and entertaining. The spacious living areas flow seamlessly into the kitchen and dining spaces, creating a warm yet upscale atmosphere. The primary suite offers a peaceful private retreat, while the second bedroom provides flexibility for guests, a home office, or personal space. Enjoy the rare convenience of a private non shared driveway 2-car garage, providing secure parking and additional storage. Outside your front door, resort-inspired community amenities create an atmosphere that feels like a getaway every day. Take a refreshing dip in the community pool, stay active in the well-equipped workout room, or simply relax and enjoy the beautifully maintained surroundings. Located in a highly desirable Chandler location, this home places you close to shopping, dining, entertainment, major employers, and convenient freeway access, making it an ideal blend of luxury, location, and lifestyle.

295 N Rural Road Unit 145, Chandler
$285,000
2 Beds ⋅ 2 Baths ⋅ 7077173 MLS ⋅ 1,025 SqFt.
Charming single-story END unit in Woodcreek Townhomes offering 2 bedrooms, 2 bathrooms and easy living with no stairs! The light and inviting interior features vaulted ceilings, granite countertops, a cozy fireplace, walk-in closet and a full-size washer and dryer conveniently located inside. Enjoy two private outdoor spaces with a welcoming front porch perfect for morning coffee and a secluded back patio ideal for relaxing or entertaining. Additional highlights include a newer roof, extra storage shed and the privacy of an end-unit location. Available furnished if desired for a true turn-key opportunity. Ideally located in the heart of Mesa with convenient freeway access and just minutes from shopping, dining, entertainment and everyday conveniences. HOA covers Water, Roof and Insurance

1718 S Longmore Street Unit 103, Mesa
$439,000
2 Beds ⋅ 2 Baths ⋅ 7077151 MLS ⋅ 1,237 SqFt.
Welcome home to this beautifully maintained, single-level Casita in the heart of Chandler! Offering 2 bedrooms, 2 bathrooms, and an attached 2-car garage, this turnkey home is designed for comfortable, low-maintenance living. The open and inviting floor plan provides a seamless flow between the living, dining, and kitchen areas, creating a comfortable space for both everyday living and entertaining. The two spacious bedrooms offer privacy and flexibility for guests, a home office, or additional living space. This completely turnkey property is ready for you to move right in and enjoy. The attached two-car garage provides secure parking and convenient additional storage. Residents also enjoy access to a fantastic selection of community amenities, including a sparkling pool, fitness center, and clubhouse--perfect for relaxing, staying active, and connecting with neighbors. Ideally located in Chandler, this home offers convenient access to shopping, dining, entertainment, major roadways, and everything the East Valley has to offer.

295 N Rural Road Unit 131, Chandler
$295,000
2 Beds ⋅ 2 Baths ⋅ 7077124 MLS ⋅ 964 SqFt.
ASSUMABLE FHA LOAN AT 2.375%! 🔥 Buyers -- don't miss this opportunity to take over a low-rate loan and potentially save hundreds each month! Welcome home to this charming 2-bedroom, 2-bathroom property in a highly desirable Mesa community! Step inside to vaulted ceilings and an abundance of natural light, creating a bright and open feel throughout. The kitchen features freshly painted white cabinetry with updated hardware, new garbage disposal, new dishwasher, all giving the space a clean, refreshed look. The spacious primary suite includes an updated walk-in shower, while a full-size laundry closet adds everyday convenience. Outside, enjoy a spacious private backyard with plenty of room to relax, entertain, or create your own outdoor retreat. Location is a major highlight--just 3 minutes from US-60 for easy access throughout the Valley and approximately 12 minutes from Downtown Gilbert where you'll find an incredible selection of restaurants, nightlife, shopping, entertainment, and community events. A fantastic opportunity for a primary residence, seasonal home, or investment property in a convenient East Valley location!

2455 E Broadway Road Unit 59, Mesa
$225,000
1 Beds ⋅ 2 Baths ⋅ 7077019 MLS ⋅ 956 SqFt.
Discover this charming condo in the highly desirable active adult community of Sunland Village East! This rare opportunity is located in the pet-friendly section and offers 1 bedroom, 2 baths, an inviting front porch, and a 1-car garage with built-in cabinets and a newer a/c! Step inside to find abundant natural light, a neutral color palette, plush carpeting, tile flooring, and a spacious living area. The eat-in kitchen features a convenient pantry, built-in appliances, and plenty of wood cabinetry and counter space. The generously sized bedroom offers a walk-in closet and a private full bath. Outside, enjoy a covered patio and separate storage room, providing the perfect combination of functionality and space for relaxing or entertaining. Sunland Village East offers an incredible resort-style living with pools and spas, golf, fitness centers, pickleball and tennis courts, and more. Conveniently located near US-60 and Loop 202, with easy access to shopping, dining, and everyday amenities.

8020 E Keats Avenue Unit 311, Mesa
$430,000
3 Beds ⋅ 3 Baths ⋅ 7077015 MLS ⋅ 1,898 SqFt.
Here's a beautiful 3 bedroom 2.5 bath home located in the super-convenient Tempe Santa Fe Townhomes community. You'll love the large open island kitchen with granite counters and stainless appliances. There's a 2 car garage, multiple patios and a private back yard, as well. This is a gated community with a community pool. Freshly painted in August of 2026, new carpet was also installed in August of 2026. We think you'll love this amazing South Tempe location, location, location. The nearby corner of McClintock and Guadalupe has just about anything you could need. You are also close to jobs, multiple freeways, golf, the Tempe canal path and so much more. Truly a great lifestyle. Take a look!

1751 E Libra Drive, Tempe
$465,000
3 Beds ⋅ 3 Baths ⋅ 7076956 MLS ⋅ 2,060 SqFt.
INCREDIBLE BUYER INCENTIVES: $7,000 MORTGAGE CONCESSION. Seller will pay up to $7,000 at closing towards your interest rate buydown if you finance with lender of sellers choice. 55+ age restricted community. 3855 S McQueen Rd Unit 3 is a two-story Chandler townhome with an open-concept main level. The kitchen centers on an island with stainless steel appliances and ample counter space for meal preparation. The adjoining living and dining area flows through a sliding door to a patio for outdoor use. Upstairs, the primary bedroom includes an ensuite bathroom with double sinks, a separate tub and shower, and a walk-in closet for organized storage. Additional bedrooms and bathrooms provide functional living space, while a loft adds a flexible upstairs area. A two-car attached garage complet

3855 S Mcqueen Road Unit 3, Chandler
$455,000
3 Beds ⋅ 3 Baths ⋅ 7076914 MLS ⋅ 2,187 SqFt.
A Fresh New Look in Cooley Station -Beautifully updated and professionally staged, this spacious 3-bedroom,3-bath townhome offers 2,187 sq. ft. of comfortable, flexible living space designed to adapt to the way you live. Fresh interior and exterior paint, new luxury vinyl plank flooring, and a light, refreshed feel throughout make this home truly move-in ready.One of the home's standout features is the additional flex room, offering valuable extra space for a home office, media room, fitness area, game room, creative space, or second living area-the possibilities can easily change along with your needs.At the heart of the home is an open and inviting kitchen featuring stainless steel appliances, abundant cabinetry, a walk-in pantry, and breakfast bar. Spacious living..see more and dining areas provide plenty of room to gather, entertain, unwind, or create multiple spaces that work for your lifestyle. All three bedrooms are privately situated together, including a generous primary suite that feels like its own retreat, complete with a walk-in closet, dual vanities, separate soaking tub and shower, and private water closet.A rare side-by-side two-car garage, water softener, and overhead garage storage add everyday convenience and functionality. Even better, the community pool is located directly across from the home, making it easy to enjoy Arizona's beautiful weather just steps from your front door. Located in desirable Cooley Station, you'll enjoy charming tree-lined streets, parks and community amenities, with shopping, dining, entertainment, and everyday conveniences just minutes away. More than move-in ready, this is a home with the space and flexibility to make it your own. Welcome Home!

905 S Osborn Lane, Gilbert
$400,000
2 Beds ⋅ 2 Baths ⋅ 7076896 MLS ⋅ 1,812 SqFt.
Welcome home to this beautifully updated 2-bed, 2-bath townhouse tucked in a sought-after gated community at the foot of the Superstition Mountains -- no age restrictions, just easy Arizona living. Step inside to newer laminate flooring and fresh interior paint throughout, creating a bright, move-in ready canvas for its next owner. The dual master suite layout is a standout feature, offering true flexibility for roommates, guests, or a home office, with custom closets adding smart storage in both suites. Wide, ADA-compliant doorways make the home comfortable and accessible for all. Outside, expansive paver patios set the stage for classic Arizona indoor-outdoor living. Location doesn't get much better: golf courses, scenic hiking trails, and the beauty of the Superstition Mountains.

8713 E Sandtrap Court, Gold Canyon
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