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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!

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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

$355,000
2 Beds ⋅ 3 Baths ⋅ 7061810 MLS ⋅ 1,100 SqFt.
Welcome to this beautiful 2-bathroom home in the desirable Villagio at Tempe community. The open great-room floor plan features a spacious kitchen and comfortable living area. Both bedrooms include generous walk-in closets, and the home also offers convenient inside laundry. Ideally located near the Loop 101 and 202 freeways, ASU and Tempe Marketplace. This well-maintained property combines comfortable living, attractive community amenities, and highly convenient Tempe location.

2402 E 5th Street Unit 1555, Tempe
$327,500
3 Beds ⋅ 2 Baths ⋅ 7061734 MLS ⋅ 1,385 SqFt.
**BRAND NEW A/C installed in July 2025!** Enjoy peace of mind knowing this high-efficiency system is only one year old and comes with a transferable warranty for the new owner. Welcome to this beautifully maintained home in the highly sought-after **Augusta Ranch** community, where comfort, convenience, and lifestyle come together. Perfectly situated close to the neighborhood's sparkling community pool, you'll enjoy resort-style amenities practically right outside your door. Inside, you'll find an inviting open-concept floor plan designed for both everyday living and effortless entertaining. The great room flows seamlessly into the kitchen, creating a bright and welcoming atmosphere. The kitchen is equipped with sleek stainless steel appliances, generous counter space, and excellent sightlines to the main living areas, making it ideal for hosting family and friends. One of the home's most striking architectural features is the stunning industrial-style spiral staircase, which leads to an expansive loft. Whether you're looking for a home office, game room, media space, workout area, or additional living room, this versatile loft offers endless possibilities. The thoughtfully designed split-level floor plan provides exceptional functionality. The private primary suite is conveniently located on the first floor with easy access from both the front entry and the attached two-car garage. The laundry room is also located on the first level, adding to the home's everyday convenience. Upstairs, you'll find two additional bedrooms, a full bathroom, and the main living spaces, offering an ideal layout for families or guests. Located just steps from the community pool, this home also backs up the incredible Augusta Ranch lifestyle with a beautiful tree-lined greenbelt nearby and an elementary school within easy walking distance. The HOA takes care of all front landscaping, giving you more time to enjoy the community and less time worrying about yard maintenance. Families will appreciate being located within an award-winning school district, including a highly regarded elementary school. Augusta Ranch is known for its prime Mesa location with convenient access to both the US-60 and Loop 202, making commuting throughout the Valley quick and easy. You'll also be just minutes from a wide variety of shopping, dining, entertainment, golf, and everyday conveniences. This exceptional home combines a versatile floor plan, beautiful community amenities, low-maintenance living, an unbeatable location, and the added value of a brand-new A/C system. Don't miss your opportunity to own a home in one of Mesa's most desirable neighborhoods!

9233 E Neville Avenue Unit 1147, Mesa
$250,000
2 Beds ⋅ 2 Baths ⋅ 7061417 MLS ⋅ 1,113 SqFt.
Pride of ownership shines throughout this hard-to-find 2-bedroom, 2-bathroom townhome with a 1-car garage in the highly desirable Red Mountain Villas community. This truly move-in-ready home has been extensively updated from top to bottom, including a 1-year-old A/C unit, new luxury vinyl plank flooring throughout, new baseboards, resurfaced kitchen cabinetry, a new single-basin sink with faucet and garbage disposal, and a complete set of brand new black & SS appliances, including the washer and dryer. The spacious primary suite features a beautifully remodeled walk-in shower, with brand-new bathroom vanities currently being installed. Additional upgrades include new lighting and ceiling fans throughout, new backsplash, new toilets, angle stops, and more. Homes in Red Mountain Villas rarely become available making this an exceptional opportunity you won't want to miss. Residents enjoy a beautifully maintained community featuring a heated pool and spa, perfect for year-round relaxation. Enjoy carefree living with HOA-maintained front and back landscaping, making this beautifully maintained home the perfect lock-and-leave residence for winter visitors, seasonal homeowners, or anyone seeking a low-maintenance lifestyle. Conveniently located just minutes from the Loop 202, you'll enjoy quick access to shopping, dining, hospitals, multiple golf courses, miles of scenic hiking and biking trails, and Saguaro Lake--all just 15 minutes away.

1951 N 64th Street Unit 4, Mesa
$298,000
2 Beds ⋅ 2 Baths ⋅ 7061395 MLS ⋅ 1,227 SqFt.
Beautifully maintained end-unit home in a fantastic location within the community! Enjoy added privacy and a short walk to the kids' play area and community pool. The 1-car garage is located directly beneath the home and features private interior stairs leading to all living spaces on the second floor, plus a separate storage area for added convenience. Inside, you'll find a spacious kitchen with cherry cabinetry, a glass-top range, and a refrigerator included. The kitchen opens to a balcony-perfect for enjoying your morning coffee or evening breeze. The generously sized primary suite features a private bath, while the large secondary bedroom has access to a second full bath. Gray wood-look LVP flooring, installed in 2021, add to the home's modern, inviting feel. Great access to 202/60.

1265 S Aaron -- Unit 293, Mesa
$334,900
2 Beds ⋅ 3 Baths ⋅ 7061315 MLS ⋅ 1,200 SqFt.
Welcome home to this desirable CORNER UNIT TOWNHOUSE featuring 2-BEDROOMS, 2.5-BATHS, and 2 PRIVATE ENSUITE BATHROOMS. This OPEN-CONCEPT home showcases TILE & WOOD/LAMINATE flooring throughout and offers a spacious kitchen with MAPLE CABINETRY, GRANITE COUNTERS, STAINLESS STEEL APPLIANCES, and a BREAKFAST BAR--perfect for everyday living and entertaining. Convenient UPSTAIRS LAUNDRY is located near the bedrooms, while the main-level POWDER ROOM adds extra convenience. Relax on your PRIVATE PATIO with an exterior STORAGE ROOM and enjoy the convenience of 1 COVERED PARKING SPACE. Residents also enjoy COMMUNITY POOLS, ASSIGNED PARKING, and beautifully maintained COMMON AREAS with HOA-maintained FRONT LANDSCAPING. Ideally located near SCHOOLS, SHOPPING, RESTAURANTS, PARKS, and MAJOR FREEWAYS. A fantastic opportunity for FIRST-TIME HOME BUYERS, DOWN-SIZERS, or INVESTORS.

1600 N Saba Street Unit 172, Chandler
$339,950
2 Beds ⋅ 2 Baths ⋅ 7061085 MLS ⋅ 1,237 SqFt.
Location, location, location! Don't miss this incredible opportunity to own a single-level townhome in the highly desirable Dana Ranch Villas. Ideally situated less than five minutes from US-60 and just one mile from Village Square at Dana Park, you'll enjoy convenient access to shopping, dining, and entertainment. This freshly painted 2-bedroom, 2-bath home with a 2-car garage features an open, light-filled floor plan with vaulted ceilings, beautiful wood flooring, and new plush carpet in both bedrooms. The spacious kitchen offers ample cabinetry and counter space and includes all appliances, including the refrigerator. The inside laundry room comes complete with a side-by-side washer and dryer for added convenience. Step outside to enjoy your private, fenced backyard with a covered patio, perfect for relaxing or entertaining, as well as a charming front courtyard that adds to the home's welcoming appeal. The beautifully maintained community features lush green landscaping, mature shade trees, and a community pool just a short stroll away. Combining comfort, convenience, and an unbeatable location, this move-in-ready home is one you won't want to miss!

3510 E Hampton Avenue Unit 49, Mesa
$290,000
3 Beds ⋅ 2 Baths ⋅ 7061065 MLS ⋅ 1,368 SqFt.
3 bed, 2 bath property nestled in Ville Monaco! Great location close to restaurants, parks, medical centers, and schools.

5256 S Monaco Drive, Tempe
$260,000
2 Beds ⋅ 2 Baths ⋅ 7061010 MLS ⋅ 1,100 SqFt.
Location, Location, Location! Beautifully remodeled and move-in ready, Offers one of the best locations in the community! Backing to the expansive community lawn and just steps from the sparkling pool, you'll enjoy a resort-style convenience. Ideally situated just minutes from Sloan Park, Arizona State University, shopping, dining, and easy access to the US-60 and Loop 101. Inside, you'll find stylish modern updates throughout, including dual-pane windows, a spacious living area perfect for relaxing or entertaining, and a powder room on the main level. Upstairs features two generously sized bedrooms and and bathroom. The attached exterior storage room houses the laundry area and provides additional storage space.

1500 W Rio Salado Parkway Unit 64, Mesa
$400,000
3 Beds ⋅ 3 Baths ⋅ 7060699 MLS ⋅ 1,623 SqFt.
Awesome Historic Downtown Chandler. Only 2 floorplans like this in the complex! 2 levels - 3bd/ 3 ba-1 bed and full bath downstairs. tons of built ins. Walk to your favorite restaurants, pubs, coffee shops, San Marcos golf course, weekly farmers market, library, shopping, movie theater, Chandler Center for The Arts, & SO much more! End unit with only one shared wall. Spacious kitchen with granite countertops is open to the great room. Main suite features oversized master bath and it's own private cozy balcony! Second bedroom also features it's own private balcony! Relax poolside at the beautiful resort style community pool & spa! Easy access to Loop 202, Loop 101 & 10 min from the booming Price Corridor. 2 car garage has A/C. Can be used as game room -can be garage

123 N Washington Street Unit 7, Chandler
$248,900
2 Beds ⋅ 2 Baths ⋅ 7060675 MLS ⋅ 945 SqFt.
Just Remodeled 2 Bdrm, 2 Bath Townhome with Private Covered Patio, Carport and Community Pool. Gourmet Kitchen with New Quartz Countertops, New Cabinets, Custom Tile Backsplash, New Stainless-Steel Appliances and New Refrigerator. The Kitchen leads out to a Large Great Room with Vaulted Ceiling and Arcadia Door to Access the Covered Patio and Fenced-in Private Backyard. Both Bedrooms have Walk-In Closets and Tile Plank Floors. The Master Bath has Custom Tile Shower, New Cabinets, New Quartz Countertops, New Sinks, and New Plumbing Fixtures. New Paint, New Fans, New Lighting and Plumbing Fixtures Throughout. Laundry is Inside. This is a Well-Maintained Complex with a Community pool and Grassy Areas.

629 N Mesa Drive Unit 27, Mesa
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