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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

$335,000
2 Beds ⋅ 2 Baths ⋅ 7065135 MLS ⋅ 1,248 SqFt.
What if you could find a home where absolutely everything has already been done for you? This beautifully updated Tempe townhome has been thoughtfully transformed from top to bottom, with no stone left unturned. A tasteful, timeless palette creates a fresh and inviting feel throughout, complemented by new LVP flooring and carpet, a fully remodeled kitchen, updated baths and new toilets. Every detail has been carefully considered, making this truly move-in ready. And the location? Exceptional! Conveniently situated near the 101, ASU, shopping, dining, entertainment and all that Tempe has to offer. Come see what happens when thoughtful design meets effortless living--you may have just found the one.

2133 E Margarita Drive, Tempe
$275,000
3 Beds ⋅ 2 Baths ⋅ 7064596 MLS ⋅ 1,214 SqFt.
Rare 3-bedroom end unit in gated Tamarron Village, the only floor plan of its kind in the community. Two-level, 1,214 sq ft layout with the primary suite downstairs plus two bedrooms and a second full bath upstairs. Open family room with 9+ ft flat ceilings flows to an eat-in kitchen with island, breakfast bar and full appliance package; washer and dryer included. Private fenced courtyard with covered patio - your own outdoor room. Assigned covered parking. HOA covers water, sewer, trash, roof, blanket insurance and exterior maintenance. Heated community pool, and you are minutes to light rail, downtown Mesa, MCC and the US-60.

455 S Mesa Drive Unit 150, Mesa
$374,999
3 Beds ⋅ 2 Baths ⋅ 7064394 MLS ⋅ 1,310 SqFt.
Stunning 3-bed, 2-bath Eastmark townhome with 1,312 sq ft of bright, open-concept living. Private primary suite & 2-car garage on the main level; two upstairs bedrooms offer flex space for guests or office. Enjoy Superstition Mountain views plus resort-style amenities, pool, walking paths, parks & dog park. Minutes to freeways & Gateway Airport.

4631 S Element --, Mesa
$320,000
2 Beds ⋅ 2 Baths ⋅ 7064336 MLS ⋅ 1,188 SqFt.
There are neighborhoods you move into and neighborhoods you never want to leave. The Gardens in Gilbert is the latter. Tucked into one of the most walkable and well connected pockets of the East Valley, this move in ready home puts you within minutes of Agritopia and The Epicenter, two of Gilbert's most beloved destinations for dining, coffee, community, and everything in between. The lifestyle this location affords is genuinely hard to replicate anywhere else in the Valley. The home itself is warm, functional, and ready to go from day one. Two bedrooms and two full bathrooms are spread across a smart layout that feels open and connected. The modern kitchen anchors the main living area with granite countertops, matching stainless steel appliances, and a breakfast bar that keeps the cook in the conversation. It flows effortlessly into the family and living room, making the whole space feel cohesive and inviting. Upstairs an open loft adds flexibility for a home office, reading nook, or secondary living area, alongside an additional bedroom and full bathroom that gives guests or family members their own comfortable retreat. The two car garage offers direct entry into the home, indoor laundry keeps things convenient, and the HOA takes care of front yard maintenance so your weekends stay yours. Step outside the front door and The Gardens delivers. Two community pools, multiple parks, playgrounds, and basketball courts give the neighborhood an energy that feels alive without ever feeling crowded. Target, Walmart, and a full corridor of shopping and dining are just around the corner. Gilbert has become one of the most desirable cities in Arizona for good reason. This home puts you right in the heart of why.

4212 E Jasper Drive, Gilbert
$386,000
3 Beds ⋅ 3 Baths ⋅ 7064319 MLS ⋅ 1,897 SqFt.
Stunning lakefront townhome in gated Lake Park Villas. 3-bed/3-bath split-bedroom design with en-suite master. Recent comprehensive renovations: new kitchen with custom cabinetry, quartz counters & stainless appliances; remodeled bathrooms with tile showers & quartz vanities; new windows, doors, paint, baseboards, recessed lighting & ceiling fans throughout. Waterfront views from rear patio & balcony overlooking community lake. Excellent storage with walk-in closets, laundry room & garage. 1-car garage plus 2 front parking spaces. Over 1,897 sqft. Gated community with pool, spa, golf course & clubhouse. Short-term rentals allowed. Perfect primary residence or investment property.

2524 S El Paradiso Drive Unit 99, Mesa
$355,000
2 Beds ⋅ 3 Baths ⋅ 7064058 MLS ⋅ 1,105 SqFt.
Welcome to Villagio at Tempe, where comfort, convenience, and a modern loft feel come together. This inviting 2 bedroom, 2.5 bath townhome features a light filled, open concept main level with fresh designer paint in Greek Villa and new carpeting throughout, creating a warm and move in ready interior. Upstairs, two spacious primary suites each offer a private bathroom, and one includes a walk in closet. A convenient powder room, private balcony, entry coat closet with additional storage, and large 2 car garage provide the space and functionality you need. Enjoy gated-community living with two sparkling pools and a relaxing spa. Ideally located near ASU, Sloan Park and Cubs Spring Training, Tempe Town Lake, Tempe Marketplace, Mesa Riverview, and Loops 101 and 202.

2402 E 5th Street Unit 1591, Tempe
$329,000
2 Beds ⋅ 2 Baths ⋅ 7063996 MLS ⋅ 1,040 SqFt.
Make a wish... you may have just found your next home! This adorable 2-bedroom, 2-bath home is full of warmth and character, featuring vaulted ceilings, fresh interior paint, and a cozy layout that's easy to love. The private backyard is unlike any other, complete with a whimsical wishing well that adds a touch of personality. With the HOA maintaining the exterior and a community pool just steps away, you'll enjoy the perfect blend of low-maintenance living and everyday comfort. Ideally located in the heart of Gilbert, close to shopping, dining, parks, and freeway access. Seller is offering concessions with an acceptable offer! Use toward buyer's closing costs, interest rate buy-down, or prepaid expenses.

1500 N Sunview Parkway Unit 7, Gilbert
$420,000
4 Beds ⋅ 3 Baths ⋅ 7063983 MLS ⋅ 1,444 SqFt.
Welcome home to this beautifully updated 4-bedroom, 2.5-bath townhome located in the highly sought-after Gilbert Unified School District! Thoughtfully refreshed, this move-in ready home offers the perfect blend of style, comfort, and convenience. The open-concept floor-plan features a spacious living area that flows seamlessly. Step outside to your private backyard retreat featuring a covered patio, pergola, putting green, and relaxing hot tub. Ideally located near shopping, dining, parks, schools, Phoenix-Mesa Gateway Airport, and easy access to the Loop 202 and US-60 freeways. This exceptional home is the complete package!

8433 E Peralta Avenue, Mesa
$225,000
2 Beds ⋅ 2 Baths ⋅ 7063946 MLS ⋅ 792 SqFt.
End unit in Eastbrook with the park right outside your door. This 2 bedroom, 1.5 bath townhome sits tucked into the back of the neighborhood, quiet, away from the street, with green space views and direct park access. The main level has beautiful tile and clean, current paint. Upstairs brings new flooring and an updated bathroom with tall vaulted ceilings that make the space feel far more open than the square footage suggests. Pantry and under-stair storage keep things practical. Private patio with block fencing. Washer, dryer, and refrigerator included. One assigned, reserved covered parking space sits directly off the sidewalk to the unit. Community pool, spa, and children's playground. The HOA covers water, sewer, garbage, and exterior maintenance, which keeps monthly ownership simple Near the bus line at Gilbert and University in North Mesa. Mesa Unified schools, Mountain View High School. Built 1992.

2301 E University Drive Unit 504, Mesa
$305,000
3 Beds ⋅ 2 Baths ⋅ 7063892 MLS ⋅ 1,220 SqFt.
Don't miss your opportunity to live in this beautifully updated townhome in Tempe. This townhome features 2 community pools • Updated windows, flooring & appliances. Recessed lighting and a ceiling fan complete the main living area. The 3-bedroom, 1.5-bath Tempe townhome offers 1,220 sq ft across two levels with vinyl plank flooring and dual-pane vinyl windows replaced in 2019. The kitchen features granite countertops, tile backsplash, stainless appliances, plus a brand-new stove and dishwasher (2026). Bathrooms include quartz countertops. Water heater replaced in 2023. An enclosed block-wall paver patio adds outdoor living space and includes a storage shed. Community amenities include two pools, tennis courts and a basketball hoop, plus two reserved parking spots. Near Kiwanis Park, Kiwanis Recreation Ken McDonald Golf Course.

6619 S Mcallister Avenue, Tempe
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