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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

$275,000
2 Beds ⋅ 2 Baths ⋅ 6985328 MLS ⋅ 1,079 SqFt.
Located in the gated 55+ community of Fountain of the Sun, this well-maintained 2-bedroom, 1.75-bath townhome features a desirable corner location, a rare private patio, and guest parking conveniently located right next to the unit. Enjoy an active lifestyle with access to a beautifully maintained golf course, a full calendar of activities, and a pool and hot tub just a short walk away. The community is walkable and bike-friendly, making it easy to stay active and enjoy Arizona sunshine year-round. Ideally situated within the community, this home has been thoughtfully cared for and offers comfortable, low-maintenance living. Please note: this phase of townhomes does not allow pets.

537 S Palo Verde Way, Mesa
$369,900
3 Beds ⋅ 2 Baths ⋅ 6985215 MLS ⋅ 1,310 SqFt.
Discover this lovely two-story townhome in the sought-after Towns at Eastmark! Inside, you'll find a bright and comfortable open layout designed with comfort in mind, where you'll spend enchanting moments. The eat-in kitchen features ample cabinetry, spacious counters, and essential appliances. Get a good night's sleep in the main bedroom, offering a bathroom for privacy. The balcony is the perfect spot for relaxation-imagine yourself enjoying your favorite drink in peace! Great location close to top-rated schools, parks, and the freeway! Hurry up, this one won't last!

9845 E Gamma Avenue, Mesa
$285,000
2 Beds ⋅ 1 Baths ⋅ 6984726 MLS ⋅ 1,073 SqFt.
Welcome to this charming 2-bedroom townhome with a new roof that proves great living doesn't require extra square footage--just smart design. First perk? An attached carport, because hunting for parking should not be part of your daily routine. Step inside to a bright and inviting living room featuring a new decorative wall panel, new baseboards that are perfect for bringing in natural light or stepping out for a breath of fresh air. The kitchen strikes the perfect balance of style and function, with butcher block countertops, a tile backsplash, new lighting, built-in appliances, and a pantry ready to keep everything organized (including that snack stash you definitely don't share). Both bedrooms offer comfortable, well-designed spaces that feel like your own private retreat, ideal for restful nights, a home office setup, or whatever your lifestyle calls for. The bathroom features dual sinks, making busy mornings just a little more civilized. Out back, you'll find a covered patio for relaxing evenings, paved space for easy outdoor living, and a convenient attached shed for extra storage because holiday décor and "I might need this someday" items deserve a home too. Low maintenance, new closet doors, thoughtfully laid out, and full of charm, this townhome is designed to simplify your day-to-day. And if it's checking your boxes, it's probably checking someone else's too.

5308 S La Rosa Drive, Tempe
$460,000
2 Beds ⋅ 2 Baths ⋅ 6984722 MLS ⋅ 1,492 SqFt.
Beautiful Views from this unit, welcome to the best views of Superstition mountain, Two bedroom split floor plan offers east facing patio for morning coffer enjoying the morning sun and open golf course views. New roof being replaced March 2026. Pullout cabinets throughout kitchen.

11250 E Kilarea Avenue Unit 254, Mesa
$394,900
1 Beds ⋅ 1 Baths ⋅ 6984508 MLS ⋅ 882 SqFt.
Truly one of a kind, 1 Bed, 1 Bath, 882 s.f., 11ft Ceilings, loft style exposed ductwork! Here is a rare opportunity for any future urban dweller. This Loft at the Orchidhouse boasts amazing views and great SUNLIGHT from its expansive 3rd floor windows. Customizations galore!! Wood floors, custom painting, custom cut art glass, built-ins, stainless steel, and exposed brick walls. Recently remodeled bathroom with W/D and stainless steel kitchen appliances. Absolutely perfect for entrepreneurs looking for a LIVE-WORK flex space or for any urbanite searching for their very own home in the modern world! Enjoy Mill Avenue's shopping, dining & the Metro light rail, Mill Ave Streetcar, Whole Foods Market, Tempe Town Lake, ASU and all of Downtown Tempe's entertainment right out your front door!

21 E 6th Street Unit 311, Tempe
$271,000
2 Beds ⋅ 2 Baths ⋅ 6984053 MLS ⋅ 1,227 SqFt.
Welcome to this charming 2-bed, 2-bath townhome in Muirfield Village Condominium! The inviting interior showcases abundant natural light, a neutral palette, and soft carpet & tile flooring throughout. You'll love the seamlessly flowing open layout, perfect for everyday living & entertaining! The kitchen boasts black matching appliances, ample wood cabinetry, a pantry, and a 2-tier island w/breakfast bar. Enter the primary bedroom to find a full bathroom for added comfort. The sliding doors from the dining space open to the cozy balcony, where you can relax while enjoying your favorite beverage! This gem also includes an attached 1-car garage, ensuring secure parking and extra storage. Take advantage of the Community pool, spa, and playground. Excellent Mesa location! Don't miss this gem!

1255 S Rialto -- Unit 134, Mesa
$449,500
3 Beds ⋅ 2 Baths ⋅ 6984002 MLS ⋅ 1,732 SqFt.
Welcome to Tempe's Shalimar East, a well-maintained, stable community with mature landscaping and a quiet atmosphere. Homes rarely come up for sale, reflecting residents' long-term satisfaction. This turn-key residence offers both privacy and comfort. This home combines modern updates with timeless design. Step inside to a soaring vaulted ceiling and a light, bright great room floor plan that creates an open, inviting atmosphere. The beautifully remodeled kitchen features stainless steel appliances, granite countertops, a breakfast bar, and ample cabinetry (soft close, of course)-perfect for both everyday living and entertaining. Enjoy the gorgeous Arizona days from your private courtyard. This property backs to a lush grassy common area with the sparkling community pool just steps away, creating a resort-like feel. The home showcases renovated bathrooms, updated flooring, neutral paint tones, and stylish lighting and ceiling fans throughout. Modern floating stairs add a contemporary touch to the interior design. All three of the bedrooms are spacious and comfortable. There are two bedrooms up with a full bath to share, and one bedroom down with a powder room. **The seller is willing to install a shower & vanity downstairs if the buyer is interested**. See example photos in the gallery. Additional highlights include a spacious two-car garage. A definite bonus to most townhome floor plans. This is the perfect lock-and-leave property! The flat roof portion was resurfaced in Jan/Feb 2026. The tile portion in 2022. The a/c unit is newer, replaced in 2020, and the water heater in 2024. All new double-pane windows, and an Arcadia door on all west-facing windows. The stackable washer/dryer and refrigerator all convey! The big-ticket items have been taken off your to-do list! Tempe has so much to offer. A central location close to shopping, dining, great golf courses, Arizona State University, The Botanical Garden, Phoenix Zoo, Papago Park, and the list goes on and on. Easy access to the 101, 202, and US-60, yet the neighborhood feels tucked away from the city's hustle. Shalimar East combines the best of Tempe living: central convenience, peaceful surroundings, and a true sense of community. Visit today, you'll be happy you did!

3147 S Fairfield Drive, Tempe
$260,000
2 Beds ⋅ 2 Baths ⋅ 6980662 MLS ⋅ 934 SqFt.
NEW PRICE! Great opportunity to own a 2-bedroom, 2-bath lower-level townhome offering 934 sq. ft. in a highly desirable Tempe location. This functional floor plan features comfortable living spaces, a private courtyard patio, and convenient ground-floor access.Enjoy community amenities including a sparkling pool and well-maintained common areas, all just minutes from ASU, shopping, dining, entertainment, major freeways, and everyday conveniences. Sold AS IS, this home presents an excellent opportunity for a first-time buyer, student, or investor. While it could benefit from some cosmetic updates and TLC, it offers the chance to personalize the space, add value, and build equity in one of Tempe's most sought-after locations.Don't miss this affordable opportunity to make it your own!

1905 E University Drive Unit 102, Tempe
$399,900
3 Beds ⋅ 3 Baths ⋅ 6980555 MLS ⋅ 1,618 SqFt.
THIS IS THE ONE! 3-bedroom with a 2-car garage is move-in ready and filled with upgrades, including a new roof, newer AC unit, new interior and exterior paint, new flooring throughout, and new appliances and more! Soaring vaulted ceilings create a bright, open feel in the spacious living and dining area, complete with a cozy fireplace. The kitchen features stainless steel appliances, white cabinetry, and ample counter space. The primary bedroom offers backyard access and a private bath with dual sinks. Relax outdoors or enjoy the community pool, spa, and amenities—this charming home truly has it all! Conveniently located close to dining, shopping, and freeway access! This wont last long!

1906 E Calle De Arcos Drive, Tempe
$243,000
3 Beds ⋅ 1 Baths ⋅ 6980427 MLS ⋅ 988 SqFt.
BRAND NEW HVAC! Welcome to this beautifully updated 3-bedroom, 1-bathroom townhome in the heart of the Mesa Fiesta District. This move-in ready home features a modern kitchen with quartz countertops, stainless steel appliances, a subway tile backsplash, and updated cabinetry. The interior is finished with a mix of durable tile on the main floor and laminate wood flooring upstairs. Recent upgrades include newer windows, a sliding door and an updated bathroom with a walk-in shower. Enjoy community amenities like a sparkling pool, BBQ area, and green spaces. Perfectly located within walking distance to Mesa Community College and Banner Desert Hospital. Includes two assigned parking spaces.

948 S Alma School Road Unit 128, Mesa
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