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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

$319,000
2 Beds ⋅ 2 Baths ⋅ 7062762 MLS ⋅ 1,055 SqFt.
Townhouse in Central Chandler-close to shopping and restaurants. Beautiful complex with walking trails, huge green areas/parks, two community pools and heated spa! Private patio in the back with lots of space. Interior freshly painted. Nice wood floors on 1st floor. Even a wood burning fireplace! Kitchen has stainless steal refrigerator that stays with the house. Eat in kitchen has a breakfast area and lots of cabinets! The entire unit is light and bright. Upstairs bedroom has a walk-in shower. No neighbors to your front. Two covered parking spaces. HOA takes care of the front yard, exterior maintenance of the unit, a blanket insurance policy, and even roof repair or replacement!! Live worry free!

860 N Mcqueen Road Unit 1046, Chandler
$299,000
2 Beds ⋅ 2 Baths ⋅ 7062589 MLS ⋅ 935 SqFt.
Welcome to this beautifully updated 2-bedroom, 2-bath townhome, where modern upgrades and everyday comfort come together in an ideal location. Step inside to an inviting open floor plan highlighted by soaring vaulted ceilings, abundant natural light, and stylish finishes throughout. The spacious living area offers a warm & welcoming atmosphere, while the primary bedroom layout provides a tranquil zen retreat for rest and relaxation. Recent improvements offer exceptional value and peace of mind (Roof & HVAC). Ideally situated with convenient access to A shopping, dining, entertainment, and major freeways, this move-in-ready townhome is an excellent opportunity for a primary residence, seasonal

3930 W Monterey Street Unit 118, Chandler
$252,800
2 Beds ⋅ 1 Baths ⋅ 7062576 MLS ⋅ 921 SqFt.
Beautifully remodeled 2-bedroom, 1-bath townhome in the heart of Tempe! This move-in ready home showcases modern finishes throughout, including updated flooring, a designer kitchen with new cabinetry, countertops, and stainless steel appliances, plus a beautifully renovated bathroom. The open-concept living area creates a bright and inviting space, perfect for everyday living or entertaining. Enjoy a low-maintenance lifestyle in a prime location just minutes from ASU, Tempe Marketplace, shopping, dining, parks, and easy freeway access. Whether you're a first-time homebuyer, student, or investor, this turnkey townhome is an opportunity you won't want to miss

2609 E Lemon Street, Tempe
$278,000
3 Beds ⋅ 2 Baths ⋅ 7062542 MLS ⋅ 1,212 SqFt.
Single level end unit townhome that lives like a private home, move in ready with the updates done. 3 bed, 2 bath with new windows and Pella door, newer AC, remodeled bath, smart thermostat and lights. Covered patio with drip irrigation and lighting, large storage shed, 3 assigned spaces, short walk to the pool. Well kept grounds. HOA covers water, sewer, and trash. Minutes to light rail, Loop 101, Loop 202, US 60, Riverview, Sloan Park, Tempe Marketplace, downtown Mesa, and ASU. Sky Harbor about 20 minutes. Come see it in person.

225 N Standage -- Unit 55, Mesa
$370,000
3 Beds ⋅ 3 Baths ⋅ 7062428 MLS ⋅ 1,380 SqFt.
Tucked inside gated Tesoro at Greenfield, this townhome delivers the easy, lock-and-leave living that's hard to find. Three bedrooms, 2.5 baths, plus a flexible den give you room to spread out, work from home, host guests, or carve out a space that's all yours. The open-concept main level centers on a generous kitchen with oversized island, flowing into the living area for everyday ease and effortless entertaining. Out back, a private yard finished with pavers and artificial turf offers all the ambiance, none of the upkeep. Two-car garage, plus a heated community pool and spa, basketball courts, playground, and walking paths. Minutes to US-60, shopping, and dining.

1350 S Greenfield Road Unit 1157, Mesa
$354,999
2 Beds ⋅ 3 Baths ⋅ 7062166 MLS ⋅ 1,135 SqFt.
Welcome to this charming 2-bed, 2.5-bath end-unit townhome in gated Tesoro at Greenfield! The light-filled main level features tile flooring, a half bath, and kitchen that contains granite countertops, center island, stainless steel appliances, pantry, and crown-molded cabinetry. Upstairs offers two dual-primary suites with vaulted ceilings and walk-in closets. The primary bedroom boasts abundant natural light from large and accent windows with unobstructed views of Holmes Park. Enjoy a low-maintenance backyard with a covered patio, synthetic turf, and southern park views with no rear neighbors. Includes a 1-car garage with epoxy floors and overhead storage, plus community pool/spa, parks, and trails. Rare condo that feels like a single-family home!

1350 S Greenfield Road Unit 1158, Mesa
$309,900
3 Beds ⋅ 3 Baths ⋅ 7062110 MLS ⋅ 1,704 SqFt.
Welcome to 1407 E Malibu Dr, a beautifully updated townhome in the heart of Tempe offering the perfect blend of comfort, style, and convenience. This move-in ready 3-bedroom, 3-bath home features spacious living areas filled with natural light! Major improvements include dual-pane windows and new sliding glass door (2022), new roof (2026) and new HVAC system (2024), providing peace of mind for years to come. Enjoy a private patio, 2 assigned covered parking spaces, and low-maintenance living in the desirable Park Riviera community. Ideally located just minutes from ASU, Tempe Marketplace, shopping, dining, parks, and easy access to highways.

1407 E Malibu Drive, Tempe
$270,000
3 Beds ⋅ 1 Baths ⋅ 7062033 MLS ⋅ 896 SqFt.
Welcome to 830 S Dobson Rd, Unit 53! This beautifully renovated home combines modern design with low-maintenance living. The redesigned kitchen features new cabinetry, countertops, a statement waterfall island, full-height backsplash, and Samsung appliances. Upgrades continue throughout with new flooring, new bedroom carpet, new windows, an updated shower, new water heater, and convenient in-unit laundry.Enjoy your private yard with new artificial turf--perfect for relaxing or entertaining. The community has also received major improvements, including a renovated community pool completed last year and a recently redone parking lot. Google internet infrastructure is currently being installed in the community. Move-in ready with modern finishes throughout--come see this one in person!

830 S Dobson Road Unit 53, Mesa
$234,990
2 Beds ⋅ 1 Baths ⋅ 7061982 MLS ⋅ 902 SqFt.
MOVE-IN READY & BEAUTIFULLY UPDATED! This charming 2-bedroom, 1-bath Mesa townhouse has been refreshed with the upgrades buyers are looking for--including a remodeled kitchen, updated bathroom, new flooring throughout, and a new water heater. Even better, the roof has recently been replaced by the HOA, offering added peace of mind. The functional two-story layout keeps both bedrooms upstairs while providing comfortable living space on the main level. Conveniently located near shopping, dining, schools, and major roadways. Whether you're a first-time buyer, downsizing, or looking for an investment opportunity, this updated home is ready for its next owner

600 S Dobson Road Unit 87, Mesa
$299,800
2 Beds ⋅ 2 Baths ⋅ 7061822 MLS ⋅ 1,112 SqFt.
Enjoy low-maintenance living in the gated Villas Tuscany community, ideally located in desirable East Mesa near shopping, dining, golf, parks, medical facilities, and convenient freeway access. This move-in ready 2-bedroom, 2-bath home offers a functional open-concept floor plan, modern features, and the security and convenience today's buyers are looking for. Inside, you'll find vaulted ceilings, durable tile flooring throughout, 2-inch blinds, and a spacious great room designed for comfortable everyday living and easy entertaining. The open kitchen features a breakfast bar, pantry, abundant cabinetry with hardware, stainless-steel appliances, and a brand-new range/oven, making meal preparation both convenient and enjoyable. A soft water loop is also included. The private primary suite... offers a walk-in closet and en-suite bathroom, while the split-bedroom layout provides flexibility for guests, a home office, or roommates. Step outside to a covered patio--perfect for enjoying Arizona mornings or relaxing in the evening. Security screen doors at both the front and back entrances provide added peace of mind and allow for fresh air throughout the home. Located just a short walk from the community pool, this home offers the perfect blend of privacy, convenience, and resort-style amenities. Whether you're searching for a primary residence, lock-and-leave second home, retirement property, or investment opportunity, this home delivers outstanding value in one of East Mesa's most convenient gated communities.

64 N 63rd Street Unit 18, Mesa
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