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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

$344,000
3 Beds ⋅ 3 Baths ⋅ 6929457 MLS ⋅ 1,963 SqFt.
Beautiful 3 bedroom, 2.5 bathroom tri-level townhome in the gated Lake Park community of Dobson Ranch. Updated kitchen, bathrooms, fresh interior paint and hard surface flooring throughout with carpet on the stairways. The main level features a 1 car detached garage (with storage), gated front courtyard, guest bathroom, living room, dining room, kitchen and a walkout balcony with golf course views. Upstairs is the primary suite, 2 spacious guest bedrooms and a guest bathroom. Downstairs is a large versatile space that could be used as another bedroom, office, game room, movie room, home gym or second living area. The downstairs also features a walkout patio with a small grass yard space and the laundry room, which is large enough to fit an additional bathroom. Tons of amenities including a community pool, walking/biking paths, dog park, multiple lakes and pickleball courts. Centrally located within the valley with convenient freeway access and close to restaurants, coffee shops, public library and more!

2524 S El Paradiso Drive Unit 32, Mesa
$323,500
3 Beds ⋅ 2 Baths ⋅ 6926255 MLS ⋅ 1,220 SqFt.
Spacious 3-bedroom, 1.5 bath two story home offering over 1,200 square feet in an unbeatable Tempe location! This light and bright home features new flooring throughout, a newly updated kitchen and bathrooms, brand new air conditioning unit, brand new roof, and new windows along the rear of the home facing the courtyard. A large front great room flows seamlessly into a designated dining area just off the kitchen, with a convenient half bath located downstairs, creating an inviting and functional living space. Upstairs, there are three bedrooms including a spacious primary bedroom with a generous walk-in closet and a full dual-access bathroom connecting both to the primary bedroom and the hallway for added convenience. Enjoy the private courtyard patio on the main level, with a rear entrance leading directly to covered parking. The courtyard also includes a nicely sized storage shed for additional storage. Ideally positioned within the community, the home is conveniently close to the large sparkling pool and surrounded by green space, palm trees, and walking paths. Community amenities also include tennis and basketball courts. Located near the 18th hole of Ken McDonald Golf Course and perfectly situated in the heart of Tempe, just minutes from Arizona State University, shopping, dining, the US 60, and Chandler Fashion Center. Well suited for a variety of uses, including primary residence, student housing near ASU, or long-term rental potential.

6512 S Mcallister Avenue, Tempe
$439,000
2 Beds ⋅ 2 Baths ⋅ 6924352 MLS ⋅ 1,342 SqFt.
This home is located in the amazing guard-gated resort community of Encanterra. **Owned Solar**This well-maintained 2-bedroom-2-bathroom-2-car garage home features an open Floorplan, tile flooring throughout. Plantation shutters, recessed lighting, and ceiling fans. The kitchen offers cabinets with crown molding, tile backsplash, stainless steel appliances, solid surface counters, and a prep island with a breakfast bar and desk area. The primary bedroom has a walk-in closet and a private ensuite with dual sinks. Don't miss the stacked washer and dryer. The spacious backyard is one of the larger lots in the community with mountain views. Covered patio. This incredible community offers Golf, Pools, Tennis, Fitness Centers, and a Restaurant.This home and community are a must-see!

943 E Cobble Stone Drive, Queen Creek
$305,000
2 Beds ⋅ 2 Baths ⋅ 6922682 MLS ⋅ 1,187 SqFt.
Crazy reduction in this fabulous location! Buyer backed out and most repairs completed! Carpets professionally cleaned and move in ready! Easy access to the 60 for commuting and Starbucks close enough to walk to. This tri level includes all appliances, washer/dryer as you enter lower garage level in the inside laundry room and entry space. The actual building is in close proximity to the community pool. The corner unit certainly provides a bit more privacy and is rignt across from a greenbelt to allow for easy pet walks. All mountings and tvs will stay, so take a look! Owner has HVAC warranty in place that is transferrable through 2033.

754 N Laguna Drive, Gilbert
$274,900
2 Beds ⋅ 2 Baths ⋅ 6917474 MLS ⋅ 1,144 SqFt.
Your sweet condo home awaits your pleasure in this lovely gated, quiet community in the heart of Mesa. 202 Red Mountain freeway nearby with easy access to all points North, South, East, and West! It is move-in ready with fresh paint & carpet. Enjoy your morning coffee with golden sunshine flooding your space overlooking the pool and golf course from your balcony. Be at ease entertaining in your well-appointed kitchen with tons of cabinets & counterspace. All appliances included (fridge, washer & dryer). ONLY an electric bill (HOA covers the water, sewer, & trash)! The attached direct-access garage adds peace of mind + storage! Walk to nearby Fry's grocery, fitness club, vet, nails & more. Close to ASU & Cubs Spring Training. Move-In and enjoy EZ living today. HOA beautifully maintains the property with recent exterior building repaint and security lighting, new pool surround and fencing, new pedestrian gates and larger mailboxes.

1335 E June Street Unit 239, Mesa
$349,900
2 Beds ⋅ 2 Baths ⋅ 6912218 MLS ⋅ 1,479 SqFt.
Welcome to this charming 2-bedroom, 2-bath condo in the gated Toscano Villas of Gold Canyon. Situated on a desirable corner lot and directly across from the community pool, this home offers convenience and resort-style living. The bright and open floor plan features a spacious living area, well-appointed kitchen, and dining space perfect for everyday living or entertaining. The primary suite includes a private bath and ample closet space, while the second bedroom is ideal for guests or a home office. Enjoy the beauty of the Superstition Mountains and easy access to hiking, golf, dining, and shopping. Low-maintenance living in a prime location makes this the perfect retreat or full-time residence.

5370 S Desert Dawn Drive Unit 57, Gold Canyon
$339,900
2 Beds ⋅ 3 Baths ⋅ 6910702 MLS ⋅ 1,138 SqFt.
Easy living at its best...lock and leave or walk 5 minutes to the excitement of downtown Gilbert! Unit is great condition, DOM due to lender issues. This condo couldn't be more upgraded or better located! Brand new plank tile flooring, brand new carpet, and brand new neutral paint with white accent molding. All brushed nickel light fixtures, faucets and door handles. The kitchen features white Shaker cabinets with crown molding, granite countertops and matching appliances. Wood blinds on every window and interior paneled doors. The powder room on the main floor has been upgraded as well. All appliances, including the washer and dryer, convey. Two Primary suites make this easy to have a roommate or out-of-town guests. There's a small ''what's the weather doing'' balcony too. There's a small "what's the weather doing?" balcony, too. The unit has a brand new water heater and garage ceiling rack for storage. Lots to do in the community...exercise room, volleyball, 2 pools, 2 children's playgrounds, and walking paths. All you have to do is move your furniture in and start enjoying these amenities and "the good life"!

240 W Juniper Avenue Unit 1054, Gilbert
$329,000
2 Beds ⋅ 2 Baths ⋅ 6890789 MLS ⋅ 1,340 SqFt.
Welcome to this charming 2-bedroom, 2-bath patio home in a desirable 55+ community that features its own private community pool. Inside, you'll find a spacious living room, indoor laundry, and a large 2-car garage for added convenience. The private back patio offers a peaceful outdoor retreat, perfect for relaxing or entertaining. Also, the roofs were recently replaced in 2022.

2055 N 56th Street Unit 20, Mesa
$278,500
3 Beds ⋅ 2 Baths ⋅ 6876850 MLS ⋅ 1,035 SqFt.
Fresh, fun, and full of charm, this bright and inviting 3 bedroom townhome offers a layout that lives large! The first floor welcomes you with an open-concept living area that flows seamlessly into a crisp white kitchen, featuring granite countertops, stainless steel appliances, and plenty of cabinet space. One of the bathrooms is conveniently located on the main level, while all three bedrooms and an additional bath are tucked away upstairs for privacy. Outside, enjoy a spacious private patio, perfect for relaxing, entertaining, or creating your own desert garden oasis. The patio includes a separate laundry/storage room plus a shed for extra storage. Major upgrades include a 2021 AC unit, a newer water heater, and a whole-house water filtration system installed in 2024. Located in a..... pet-friendly community with lush green spaces, mature trees, scenic walking paths, a sparkling pool, and covered parkingall just minutes from ASU, shopping, dining, and public transit. A vibrant townhome opportunity waiting for your personal touch!

1032 E Redfield Road, Tempe
$423,000
2 Beds ⋅ 2 Baths ⋅ 6843601 MLS ⋅ 1,379 SqFt.
Welcome to easy living in the heart of Mountain Bridge -- East Mesa's premier gated community at the base of the Red Mountains. This single-level Villa-concept bungalow lives like a private retreat. SELLER CONSESSIONS OFFERED. Natural light pours through the open layout, no carpet anywhere. Thoughtful storage throughout, an owned water softener, and a soft water loop add everyday comfort and value. Step outside to a beautiful private back patio with no neighbors behind you, plus a private driveway and gated courtyard entry -- a rare combination of seclusion and connection. The kitchen features granite counters, a gas cooktop, reverse osmosis, and stainless appliances built for both quick meals and entertaining. The premium HOA does the heavy liftin roof, stucco, exterior paint, and front yard landscaping are all maintained for you, and a portion of mortgage insurance is even included. That means more weekends and fewer to-do lists. Resort-style amenities are just steps away. The Villa Members Club offers a year-round heated pool, spa, billiards and card room, and fitness center. Cross the bridge to the Owners Club for a sprawling resort-style pool, tennis and pickleball courts, a full-size fitness center, chipping and putting green, lit sport courts, and more. All of this sits minutes from the Loop 202 Red Mountain Freeway, Usery Mountain Regional Park, Salt River recreation, top-rated Mesa Unified schools, and the shopping and dining of East Mesa. Whether you're looking to right-size, simplify, or settle into a community designed around connection and recreation, this Villa is ready to welcome you home.

2041 N 88th Street, Mesa
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