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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

$229,000
2 Beds ⋅ 2 Baths ⋅ 7054780 MLS ⋅ 1,037 SqFt.
Fantastic opportunity in the heart of Tempe! Want a rental near ASU, or a home to personalize to your own taste this property offers incredible potential. Featuring a newer A/C system 2023, this home is ready for your vision and updates and is priced to sell accordingly. Located just minutes from Arizona State University, Tempe Marketplace, major freeways, shopping, dining, and Sky Harbor Airport, you'll love the convenience and strong rental demand this area offers. Don't miss this chance.

827 S Hacienda Drive, Tempe
$204,900
2 Beds ⋅ 2 Baths ⋅ 7054778 MLS ⋅ 890 SqFt.
Charming 2-bedroom, 2-bathroom townhome in well situated community with well maintained grounds and inviting community pool and single car garage. Inside, the home has updated flooring and appliances along with a stacked washer and dryer. Relax on the deck outside the upstairs bedroom or in the hot tub by the pool just steps away from the front door. A good opportunity for either an owner occupant or investor.

3716 E University Drive Unit 2010, Mesa
$200,000
1 Beds ⋅ 1 Baths ⋅ 7054346 MLS ⋅ 672 SqFt.
At this price, most buyers assume there's a catch. Then they step onto the patio. Fairway greens out front, mountain views beyond, and the catch everyone was bracing for never shows up. This furnished, move-in-ready 1-bedroom in Felicia at Golden Hills Fairway lives far larger than its size. Two private patios add real outdoor living space, vaulted ceilings & natural light open up the interior, and an end-unit location with just one shared wall keeps it quiet. Inside you'll find granite counters, reverse osmosis & a newer 2025 HVAC, so comfort is already handled. Here's the part that seals it: the $325/mo HOA covers water, trash, pest control, exterior upkeep, front-yard care and even roof repair & replacement. Owners also get a free on-site laundry room, and no, it's not 55+. Golf-course living with true lock-and-leave ease, minutes from the US-60 at Power & Southern. The only question is... which patio will you claim first?

649 S Power Road Unit 373, Mesa
$330,000
2 Beds ⋅ 3 Baths ⋅ 7054300 MLS ⋅ 1,152 SqFt.
New kitchen and bath cabinets, interior doors, baseboards, electric receptacles and switches, ceiling fans, smoke detectors, lights, top tier carpet and pad, electric water heater, sinks, faucets, water shutoff valves and hoses. Porcelain tile. Granite counter tops. Brand new air conditioning 4 ton split heat pump system.

860 N Mcqueen Road Unit 1164, Chandler
$350,000
2 Beds ⋅ 2 Baths ⋅ 7054155 MLS ⋅ 1,596 SqFt.
Welcome home to this great one story split floorplan 2 bedroom, 2 bathroom home with a den located in a private gated community. This home was updated with granite countertops and new kitchen sink in 2024, a new HVAC system in 12/24 and a new roof in 6/2025. This home has a great size master bedroom with ensuite bathroom that features a tub/shower combo, a walk in closet, double vanity and a water closet. The second bedroom is also a great size and is located right next to the hallway bathroom. Also featuring a 2 car garage, this home is ready for immediate move in. HOA: The HOA is managed by Metro Property Services and the community manager is Tracy Scoffield and her contact information is: (480) 967-7182 x 104 if you have any additional questions. The HOA features a community pool that is heated to 82, a spa that is heated to 104 in the winter time and they cover the following: Exterior maintenance, common area maintenance, roof repairs and replacement, monthly general pest and spot termite treatment and exterior painting when needed. If the home needs painting in between, that would be the owner's responsibility. The HOA does not cover any water, sewer or garbage. Home Features: This home features no interior steps, an attached 2 car garage with direct access into the home, a new roof was installed in 6/25, new granite countertops, kitchen sink and new HVAC system in 2024. The property is located off of Power Road and Brown road and is minutes from the 202 freeway, Red Mountain High School, Freemont Jr High School, parks, a variety of restaurants to eat, Golf Resorts, multiple bus stops and more.

6720 E Encanto Street Unit 69, Mesa
$429,900
3 Beds ⋅ 3 Baths ⋅ 7054065 MLS ⋅ 1,307 SqFt.
Welcome to this beautifully maintained 3-bedroom, 2.5-bath townhome nestled in one of Chandler's most desirable locations. Enjoy resort-style living with access to a community pool and heated spa, along with a private front patio tucked behind a security gate--an ideal spot to relax with your morning coffee or unwind at the end of the day. The updated kitchen features granite countertops, abundant cabinet and counter space, a pantry, all appliances, and a convenient breakfast bar that opens to the dining area, making it perfect for everyday living and entertaining. The spacious family room showcases attractive wood-look laminate flooring and offers plenty of room for gatherings with family and friends. A convenient powder room completes the main level. Ustairs, you'll find two Welcome to this beautifully maintained 3-bedroom, 2.5-bath townhome nestled in one of Chandler's most desirable locations. Enjoy resort-style living with access to a community pool and heated spa, along with a private front patio tucked behind a security gate--an ideal spot to relax with your morning coffee or unwind at the end of the day. The updated kitchen features granite countertops, abundant cabinet and counter space, a pantry, all appliances, and a convenient breakfast bar that opens to the dining area, making it perfect for everyday living and entertaining. The spacious family room showcases attractive wood-look laminate flooring and offers plenty of room for gatherings with family and friends. A convenient powder room completes the main level. guest bedrooms that share a well-appointed hall bathroom, along with an oversized primary suite featuring dual sinks, a private water closet, a shower/tub combination, and a large walk-in closet. Step outside to your private backyard retreat featuring low-maintenance artificial turf, planter boxes, and ample space to relax and enjoy Arizona's beautiful weather. An added bonus is the open feel created by the absence of rear neighbors directly behind the home. Additional highlights include a spacious 2-car garage and an unbeatable location just minutes from Chandler Fashion Center, Intel, Downtown Chandler, parks, biking trails, shopping, dining, entertainment, top-rated schools, and convenient freeway access. This exceptional home offers the perfect combination of comfort, convenience, and low-maintenance living.

1404 W Weatherby Way, Chandler
$455,000
3 Beds ⋅ 3 Baths ⋅ 7053925 MLS ⋅ 1,589 SqFt.
Come home to this modern 2-story townhouse in the gated community of Mosaic at Layton Lakes! Offering 3 beds, 2 baths + powder room, and a 2-car garage. The interior boasts high ceilings, recessed lighting, abundant natural light, and wood-look tile flooring downstairs. The open layout connects the living, kitchen, and dining areas, for a bright & airy feel! The impressive kitchen provides white shaker cabinets, quartz counters, tile backsplash, SS appliances, and an island with breakfast bar. The bedrooms are upstairs, featuring soft carpet! The main suite has a private bathroom with a dual-sink vanity and a walk-in closet. The private backyard includes an extended paver-covered patio for relaxing & entertaining. Perfectly positioned just moments from the resort-style pool, spa, and community amenities! Located in one of the only gated townhome communities in the area, offering an added level of privacy and security that's hard to find. Don't miss out on this gem!

753 E Beauchamp Drive Unit 102, Gilbert
$310,000
3 Beds ⋅ 4 Baths ⋅ 7053914 MLS ⋅ 1,546 SqFt.
Move-in Ready Mesa Townhome with Extensive Updates! Welcome home to this beautifully updated 3-bedroom, 2.5-bath Mesa townhome where nearly every major improvement has already been completed for you. This move-in-ready home offers peace of mind with an impressive list of recent upgrades, combining modern style with thoughtful functionality. Step inside to discover new luxury vinyl plank flooring and baseboards (2023), fresh interior paint (2023), and custom window shades throughout. The spacious floor plan features updated bathrooms with new vanities and toilets, along with new ceiling fans and replaced vent fans for added comfort. The kitchen has been enhanced with a new dishwasher and garbage disposal (2024), while the pantry now includes custom built-in shelving for exceptional storage. The HVAC is new 2025 and includes Warranty. Updated Electrical Panel and Electrical throughout in 2022 and All Cast Iron Drain Pipes throughout the home in 2023. This Beauty will not last long!

451 N Lesueur --, Mesa
$319,900
3 Beds ⋅ 2 Baths ⋅ 7053877 MLS ⋅ 1,203 SqFt.
Fall in love with this bright and beautiful 3-bedroom + open den/playroom, 2 full bath corner townhome in Chandler! Rare 1,200+ sq ft with soaring vaulted ceilings, cozy woodburning fireplace, spacious kitchen with eating area, neutral colors, brand new plank flooring and sparkling clean - ready for you! Fabulous North/South exposure, low traffic, greenbelts, private patio to green space perfect for BBQs or coffee. Enjoy the community pool and canal paths for Arizona sunsets. Low-maintenance corner unit with one shared wall, HOA covers roof and exterior for lock-and-leave ease. Near shopping, freeways, downtown Chandler, tech corridors and Playa del Rey Elementary (Gilbert Schools). A heartfelt winner for your next home or smart investment - come see it today!

3491 N Arizona Avenue Unit 71, Chandler
$350,000
3 Beds ⋅ 2 Baths ⋅ 7053711 MLS ⋅ 1,113 SqFt.
Tucked away on the edge of the community, this recently updated home offers exceptional privacy, extra space, and a prime Chandler location! From the moment you step inside, you'll fall in love with the thoughtfully designed open floor plan featuring soaring vaulted ceilings and celestial windows that fill the home with an abundance of natural light. The inviting living area showcases beautiful recently installed flooring and a cozy fireplace with a stunning stone surround, creating the perfect space to relax or entertain. At the heart of the home is an amazing open kitchen offering generous cabinetry, expansive countertops, a beautifully tiled backsplash, and a one-of-a-kind island topped with gorgeous modern butcher block. Designed for both function and flexibility, the island can be locked into place or easily moved to create additional living or entertaining space. Step outside to the charming patio, complete with pavers and the ideal setting for morning coffee, evening relaxation, or gathering with friends and family. Conveniently located just minutes from freeways, shopping, dining, and all that Chandler has to offer, this move-in-ready home combines comfort, style, and an unbeatable location. This one is a MUST SEE!

2019 W Lemon Tree Place Unit 1102, Chandler
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