Arizona MLS Real Estate Search

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?
Call/text us at (480) 442-2502 or click the LIVE CHAT below.

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

$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
$236,000
2 Beds ⋅ 2 Baths ⋅ 7063705 MLS ⋅ 882 SqFt.
New Exterior paint scheduled through HOA!! Well maintained two story townhouse offering 2 bedrooms, 1.5 bathrooms, and a functional floor plan. The main level features a comfortable living area, dining space, and a kitchen equipped with stainless steel appliances, and an electric range. Upstairs, you'll find both bedrooms along with a conveniently located laundry area, with the washer and dryer included. Enjoy a private covered patio for outdoor relaxation and access to community walking paths, green spaces, and pool! Conveniently located near schools, shopping, dining, and major commuter routes, this home offers an excellent opportunity for first-time buyers, downsizers, or investors.

286 W Palomino Drive Unit 99, Chandler
$389,000
3 Beds ⋅ 3 Baths ⋅ 7063650 MLS ⋅ 1,550 SqFt.
Welcome to easy, low-maintenance living in Mesa! This spacious 3-bedroom, 2.5-bath townhome offers a bright, open floor plan with plenty of room to live, work, and entertain. The main level features generous living, dining, and kitchen spaces with access to a private patio. Upstairs, you'll find all three bedrooms, a conveniently located laundry room, and a loft that provides flexible space for a home office, media room, playroom, or additional lounge area, plus access to a private balcony. An attached 2-car garage provides additional storage and convenience. Enjoy resort-style community amenities including two sparkling pools, a spa, and an impressive 7,000+ sq. ft. clubhouse featuring a fitness center, gourmet kitchen, billiards room, fireplace, and movie theater. Additional community parking is also available for guests. Centrally located with convenient access to the US-60, Loop 101 and Loop 202, plus the Light Rail, Downtown Mesa, Tempe, ASU, Sky Harbor Airport, Downtown Phoenix, shopping, dining, and entertainment. Whether you're looking for a primary residence, investment property, or lock-and-leave lifestyle, this home offers a convenient location with easy access to everything the Valley has to offer.

1367 S Country Club Drive Unit 1056, Mesa
$380,000
2 Beds ⋅ 2 Baths ⋅ 7063534 MLS ⋅ 1,339 SqFt.
Welcome home to this beautifully remodeled, move-in ready single-level townhome in one of East Mesa's most desirable areas near Red Mountain! Thoughtfully updated with today's buyer in mind, this light-filled home features an open-concept floor plan with soaring ceilings, a spacious great room, & an inviting dining area that flows seamlessly into the stunning kitchen. The renovated kitchen showcases gorgeous quartz countertops, professionally refinished modern cabinetry, a striking full-height quartz backsplash, brand-new Frigidaire stainless steel appliances, contemporary fixtures, & stylish touches throughout. Neutral paint, ceramic tile flooring in the main living areas, and warm wood-look laminate flooring in the bedroom create a clean, modern aesthetic that feels timeless & welcoming. The spacious primary suite offers comfort & privacy, while thoughtful updates & quality finishes continue throughout the home. Additional upgrades include a smart thermostat, full-size LG washer and dryer, dedicated laundry room with built-in cabinetry, and all appliances convey--making this home truly move-in ready. Enjoy Arizona living year-round on the covered south-facing patio overlooking the generously sized backyard, perfect for morning coffee, entertaining, or simply relaxing. A rare two-car attached garage provides direct home access and additional storage. Located within the highly regarded Red Mountain school area and offering a wonderful blend of low-maintenance living, modern updates, and an unbeatable East Mesa location, this is an opportunity you won't want to miss! Location offers quick access to Loop 202 & this is just minutes from shopping, dining, coffee shops, parks, and everyday conveniences. Outdoor enthusiasts will love being near Usery Mountain Regional Park and the Salt River for hiking, biking, kayaking, and endless recreation.

7006 E Jensen Street Unit 120, Mesa
$349,900
3 Beds ⋅ 3 Baths ⋅ 7063353 MLS ⋅ 1,449 SqFt.
Beautifully maintained and exceptionally well-priced home in desirable Muirfield Village. Enjoy a heated community pool and spa, soccer field, basketball court, playground, and abundant green space. Ideally located on the south side of the community with convenient guest parking. The spacious backyard with patio pavers. Interior highlights include stainless steel appliances, upgraded flooring and lighting, ample countertop space, dual primary bath sinks, upstairs laundry with washer and dryer included, generous under-stair storage, and a roomy two-car garage.

1265 S Aaron Street Unit 249, Mesa
$495,000
3 Beds ⋅ 3 Baths ⋅ 7063333 MLS ⋅ 1,694 SqFt.
Welcome to The Villas at San Marcos Commons, where this beautiful two-story townhouse offers comfortable living in the heart of Chandler. This spacious home features three bedrooms and two and a half baths, perfectly designed for both relaxation and entertaining. Enjoy breathtaking views that overlook the tranquil fountain and sparkling pool area. The bright, open living space boasts high ceilings and large windows, providing plenty of natural light. The kitchen is equipped with granite countertops and abundant storage, making it ideal for everyday cooking or hosting guests. The primary bedroom retreat includes double vanities and a generous walk-in closet for your convenience. Outside, residents can take advantage of the sparkling community pool and spa, as well as a BBQ Ramada!

121 N California Street Unit 17, Chandler
$440,000
2 Beds ⋅ 2 Baths ⋅ 7063273 MLS ⋅ 1,518 SqFt.
Golf course and water views! Enjoy the sunrise from your East facing private patio. Wonderfully maintained home in Alta Mesa community, this single level home has 2 bedrooms, 2 bathrooms and a bonus room that can be used as a 3rd bedroom, office or den. Primary suite has dual vanity sink, walk in shower and walk in oversized closet. Guest bedroom has an additional nook area that has been enclosed for an additional 40sf makes a great crafting or reading alcove. New roof and HVAC in 2026. This property has been lovingly maintained and is ready for your personal touches. Directly across from the community pool in a premium location.

1235 N Sunnyvale -- Unit 14, Mesa
$359,900
3 Beds ⋅ 3 Baths ⋅ 7063169 MLS ⋅ 1,364 SqFt.
This beautifully remodeled condo is truly move-in ready, offering 3 bedrooms, 2.5 baths, and a bright, open great room layout designed for effortless living. Brand-new wood-look plank tile and carpet flow throughout, complemented by fresh interior paint that makes every room feel crisp and inviting. The kitchen is the heart of the home, showcasing quartz countertops, crisp white cabinetry, new stainless-steel appliances, recessed lighting, and updated hardware -- a space made for both everyday meals and entertaining. Each bathroom continues the upscale feel with quartz counters, new faucets, and updated mirrors, while the owner's suite is elevated further with a newly tiled shower. Thoughtful upgrades round out the home, including... click on More upstairs laundry for added convenience, new door hardware, light fixtures and faucets, 2" blinds, ceiling fans throughout, security screen doors, and a covered patio perfect for relaxing evenings. Just steps from the community pool, spa, and greenbelt, this home also puts you minutes from major freeways, shopping, and the vibrant dining and entertainment scene of Downtown Chandler. Move-in ready. Beautifully upgraded. This one won't last -- Get your tour today!

1961 N Hartford Street Unit 1166, Chandler
$299,999
2 Beds ⋅ 1 Baths ⋅ 7063085 MLS ⋅ 1,114 SqFt.
No HOA, no age restriction. Rare home nestled in a quiet neighborhood in Mesa. 2 bed 1 bath home offers great opportunity to a wide variety of buyers. Great potential for a backyard getaway and a cute front garden space located off the front dining area. Great location to access many main roads making easy commuting. Main bedroom has a large counter and a sink for extra room to get ready for your day. Vacant and ready to show!

6446 E Covina Road, Mesa
$300,000
2 Beds ⋅ 2 Baths ⋅ 7062832 MLS ⋅ 1,200 SqFt.
INCREDIBLE BUYER INCENTIVES: $4,000 MORTGAGE CONCESSION. Seller will pay up to $4,000 at closing towards your interest rate buydown if you finance with lender of sellers choice. 1601 N Saba St Unit 273 is a two-story Chandler townhouse built in 1985 with a connected, open layout across two levels. The kitchen features dark cabinetry, tile flooring, and full appliances with ample counter space for everyday cooking, connecting to the living area anchored by a fireplace that adds warmth to the main gathering space. Two bedrooms provide comfortable carpeted rooms, including one with a walk-in closet for added storage, served by a full bathroom with a vanity and tub-and-shower combination, plus a convenient half bath on the main level. Large windows fill the interior with natural light.

1601 N Saba Street Unit 273, Chandler
Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.