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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

$329,900
3 Beds ⋅ 2 Baths ⋅ 6964456 MLS ⋅ 1,176 SqFt.
3 bedroom single level home in a gated community with a 2 car garage and community pool. Tile roof. New carpet in 2024. New exterior paint in 2022. Split master bedroom for privacy. Master bedroom walk-in closet. Vaulted ceilings. Kitchen island. Breakfast bar. Pantry off of kitchen. Washer, dryer, and fridge are included. N/S exposure. Block fenced backyard with raised planters. Walking and bike paths in community.

6610 E University Drive Unit 111, Mesa
$315,000
2 Beds ⋅ 3 Baths ⋅ 6963416 MLS ⋅ 940 SqFt.
Remodeled 2-bed, 2.5-bath townhome in prime West Chandler near Loop 101 & 202! Features a remodeled kitchen with quartz countertops, brand-new stainless steel appliances, and fresh interior paint. Bright great room with vaulted ceilings. Enjoy a covered front patio and rare rooftop patio with sunset views. 1-car garage with storage. Community pool & spa. HOA covers water, exterior maintenance, and roof repair/replacement--low-maintenance living! Enhance virtual staging Not far from Chandler Fashion Center, Desert Breeze Park, Intel, and top-rated Kyrene schools. Enjoy easy access to shopping, dining, walking paths, and some of the best lifestyle amenities the East Valley has to offer. Perfect for an owner-occupant seeking comfort, convenience, and an unbeatable location--don't miss this opportunity!Enjoy Arizona living with a covered front patio and a rare rooftop patio--perfect for watching stunning sunsets. Additional highlights include a 1-car garage with extra storage and access to a community pool and spa. HOA covers water, exterior maintenance, and roof repair/replacement for easy, low-maintenance living.

5665 W Galveston Street Unit 36, Chandler
$401,000
2 Beds ⋅ 2 Baths ⋅ 6960956 MLS ⋅ 1,080 SqFt.
Welcome to 1527 S River Dr. in the heart of Tempe. The property features a spacious backyard with plenty of room to entertain, relax or personalize to your liking. The roof was redone this year, providing added value and peace of mind. The garage offers great potential and is perfect for a man cave, hobby space or home gym. Conveniently located near shopping, dining and ASU, this home presents an excellent opportunity for homeowners or investors looking to be close to it all.

1527 S River Drive, Tempe
$205,000
2 Beds ⋅ 1 Baths ⋅ 6960001 MLS ⋅ 951 SqFt.
This end-unit townhome with private storage unit, is a 2 bedroom, 1 bath that offers efficient living space with new HVAC, new flooring throughout, and updated kitchen and bathroom. The functional floor plan provides a comfortable living area, a refreshed kitchen with modern finishes, and an updated bath. The end-unit location allows for additional privacy, natural light and steps away from the community pool and greenspace. Features include an enclosed front patio, assigned parking, and minimal shared walls. The community offers a pool, washer and dryer, and common areas, with convenient access to ASU, light rail, shopping, dining, and the 101 and 202 freeways. A solid option for owner-occupants or investors seeking an updated, low-maintenance property in a well-located Tempe community

2662 E Oakleaf Drive, Tempe
$360,000
2 Beds ⋅ 2 Baths ⋅ 6958864 MLS ⋅ 1,188 SqFt.
Beautifully updated 3-story townhouse in the heart of Gilbert, offering 2 bedrooms, 2 bathrooms, and a spacious loft-style living room. This move-in-ready home features new flooring throughout, a fully remodeled kitchen with modern finishes and new appliances, and refreshed bathrooms with new vanities and shower fixtures. Major mechanicals are taken care of with a new water heater and recently replaced AC. Located in a highly desirable community close to shopping, dining, and parks, this home delivers comfort, style, and low-maintenance living perfect for homeowners or investors alike.

4118 E Jasper Drive, Gilbert
$245,000
2 Beds ⋅ 2 Baths ⋅ 6958401 MLS ⋅ 1,152 SqFt.
You'll love this beautiful 2 bedroom town home with treelined views. Enjoy your private patio or step inside to a nicely appointed kitchen, living room, and dining room all on the ground floor. Upstairs enjoy two spacious bedrooms and a comfortable bathroom. Conveniences like 2 assigned parking spaces, built in washer and dryer, a community pool, ample storage, and guest parking make this a comfortable home for anyone to enjoy. Recent upgrades include a new front door, and windows in the living room and both bedrooms, as well as a new AC installed in 2024. The community was recently painted for a fresh look, and the dishwasher, oven, and water heater are just 3 years old! Come tour this home today!

222 W Brown Road Unit 26, Mesa
$270,000
3 Beds ⋅ 2 Baths ⋅ 6957925 MLS ⋅ 1,144 SqFt.
NEW PRICE-MOTIVATED SELLER-EASY TO SHOW. FANTASTIC LOCATION TO ASU, SKY HARBOR, 202/101 FREEWAYS. SPACIOUS TRUE 3 BEDROOM, 2 BATH, WITH TILE FLOORS IN KITCHEN/DINING/HALL/BOTH BATHS. CARPET IN 3 BEDROOMS, WOOD LOOK VINYL IN LIVINGROOM. NEW STAINLESS STEEL APPLIANCES, NEW KITCHEN SINK AND FAUCET, MASTER BATH HAS NEW LIGHT/DOUBLE SINKS/MED CABINETS AND COUNTERTOP. INSIDE FULL-SIZE LAUNDRY INCLUDED. IN JULY OF 2023 AND NEW 14 SEER HVAC SYSTEM WAS INSTALLED. PRIVATE PATIO AND STORAGE, ASSIGNED COVERED PARKING RIGHT OUTSIDE OF THE GATE. THE WATER/SEWER/TRASH/EXTERIOR MAINTENANCE IS INCLUDED IN THE HOA FEE.

834 S Casitas Drive Unit B, Tempe
$350,000
2 Beds ⋅ 2 Baths ⋅ 6955627 MLS ⋅ 1,371 SqFt.
Welcome to effortless living in this beautifully maintained 2-bedroom, 2-bath home with a 2-car garage, perfectly situated in one of the area's premier adult lifestyle communities. Thoughtfully updated and move-in ready, this residence blends comfort, style, and low-maintenance living. The heart of the home is an impressive chef-inspired kitchen, featuring granite countertops, a large custom island, stainless steel appliances, and elegant shutter blinds filtering in natural light throughout. The spacious primary suite and inviting guest bedroom offer ideal retreats, while the **laundry roomwith extra shelving**keeps everyday tasks organized and convenient. A Nuvo H2O reverse-osmosis system add peace of mind. Enjoy morning coffee or sunset cocktails on the covered patio, complete with retractable sun shades for year-round comfort. The garage is fully equipped with cabinetry, providing excellent storage. But the lifestyle doesn't stop at your doorstepthis community is truly exceptional. Residents enjoy access to a 13,000 sq. ft. recreation center, featuring a grand ballroom, library, card room, billiards, and a full lineup of clubs and activities. Outdoors, you'll find two pools, six tennis courts, pickleball, bocce, shuffleboard, horseshoes, a softball field, and courts for basketball and volleyball. Nature lovers will appreciate the walking and biking trails, pet owners will love the dog park, and RV enthusiasts can take advantage of the dedicated parking and storage.

2101 S Yellow Wood -- Unit 71, Mesa
$270,000
2 Beds ⋅ 2 Baths ⋅ 6951572 MLS ⋅ 1,038 SqFt.

1342 W Emerald Avenue Unit 329, Mesa
$247,900
1 Beds ⋅ 1 Baths ⋅ 6949850 MLS ⋅ 673 SqFt.
Welcome to this gorgeous 1 bedroom, 1 bathroom townhome with a 1 car garage located in the highly desirable Beach Club Village at Val Vista Lakes. Offered fully furnished at full price, excluding only the seller's personal items, this move in ready home is an incredible opportunity for a primary residence, winter retreat, or investment property. Perfectly situated near restaurants, shopping, schools, parks, and with easy access to the US 60 freeway, this home combines comfort, convenience, and resort style living. You'll love the open and airy layout featuring cathedral ceilings that enhance the natural light and spacious feel throughout the home. The kitchen offers ample cabinetry for storage and organization along with a functional layout ideal for everyday living. The spacious bedroom is filled with natural light and includes a walk in closet, vanity area, shower/tub combination, and direct access to your private balcony. Additional features include ceiling fans, a private patio area, storage room, front security door, and an attached one car garage. Beach Club Village residents enjoy access to their own private pool and hot tub, while Val Vista Lakes HOA membership provides an unmatched lifestyle experience with access to the clubhouse, racquetball court, sand volleyball court, 8 tennis and pickleball courts, Jr. Olympic size pool and spa, lagoon style pool, fitness center, and four scenic lakes for boating and kayaking. This desert oasis is truly a must see and an exceptional value.

1633 E Lakeside Drive Unit 166, Gilbert
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