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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

$274,500
3 Beds ⋅ 2 Baths ⋅ 7070833 MLS ⋅ 1,153 SqFt.
PRICE TO SELL, and MOVE IN READY! This lovely single-story, 3-bedroom, 2-bath townhome blends modern style with everyday functionality. The spacious living room opens to a large private back patio with a generous storage room and convenient access to the community pool--perfect for relaxing or entertaining. The kitchen features ample brand-new cabinetry and counter space, built-in appliances, and a seamless flow into the dining area. The primary bedroom offers a full walk-in closet and a spacious bathroom, which also provides convenient access to the back patio through a sliding glass door. Ideally located near Mesa Community College (MCC), shopping, dining, and major freeways, this townhome offers comfort, convenience, and an excellent location.

1051 S Dobson Road Unit 194, Mesa
$450,000
2 Beds ⋅ 2 Baths ⋅ 7070814 MLS ⋅ 1,397 SqFt.
Beautifully upgraded townhome featuring a brand-new roof and stylish finishes throughout! This inviting 2-bedroom home, each with their own en-suite bathroom, offers a low-maintenance lifestyle with all appliances included. Enjoy a beautifully maintained front yard cared for by the HOA, plus a private low-maintenance backyard perfect for relaxing or entertaining. Ideally located just steps from the community pool, this home combines comfort, convenience, and easy living!

716 N Jentilly Lane, Chandler
$349,900
3 Beds ⋅ 2 Baths ⋅ 7070809 MLS ⋅ 1,320 SqFt.
Prized single-level corner/end-unit location with picture-window views across an expansive, tree-lined greenbelt. Step outside to an unusually open and peaceful setting with broad lawns, mature shade trees and a sense of privacy rarely associated with townhouse living.This beautifully updated 3-bedroom, 2-bath home combines an unusually open and private setting with the ease of low-maintenance townhouse living. Thoughtful improvements include a new HVAC system (2024), new kitchen appliances (2025), new Pergo flooring and 3-inch baseboards throughout (2026), fresh interior paint (2026), and new recessed dual-position kitchen lighting (2026). The primary bath has been refreshed with a new countertop, mirror and lighting, while the secondary bath cabinetry has been refinished. Beyond the home itself, Park Riviera offers the combination that's increasingly difficult to find in the heart of the Valley: established surroundings, generous green space and low-maintenance living in an exceptionally convenient Tempe location. ASU, Sky Harbor International Airport, Old Town Scottsdale, Downtown Phoenix and Tempe Marketplace are all within easy reach, along with convenient access to the Valley's major freeways. Residents enjoy two community pools, walking paths and a playground, while HOA roof maintenance helps simplify ownership. Whether used as a full-time residence, seasonal retreat or convenient home base for someone frequently on the Kitchen cabinetry and countertops were previously updated, and a freshly painted front door adds to the homego, the emphasis here is on enjoying where you live rather than spending your weekends maintaining it. With the updating already done, there's little left to do but settle in and enjoy the home, the setting and everything this central Tempe location has to offer.

4806 S Birch Street, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7070622 MLS ⋅ 1,403 SqFt.
Welcome to this charming, move-in ready home in Province, one of Maricopa's sought-after 55+ communities. This 2-bedroom, 2-bath home has a warm, inviting feel with fresh interior paint and newer flooring throughout. The kitchen features a beautiful cast iron sink, and the home has been thoughtfully updated and well cared for. Step outside to enjoy a beautifully landscaped backyard with mature ficus trees, planter boxes and a spacious pergola perfect for entertaining or relaxing with friends. One of the best features is the location! Situated just a short distance from the Province community center, you'll have easy access to the pool, fitness center, clubhouse and all the activities and amenities that make Province such a special place to live.

20674 N Licorice Lane, Maricopa
$475,000
2 Beds ⋅ 2 Baths ⋅ 7070440 MLS ⋅ 1,423 SqFt.
Turnkey at no additional cost. Carefree, gated golf course community ideally located in Northeast Mesa. This exceptional offers desirable north/south exposure & showcases true pride of ownership. The beautifully maintained 2-bedroom, 2-bath home features a private courtyard entry w/ custom iron screen door. Inside, abundant natural light highlights the open, flowing floor plan. The chef-style kitchen is appointed w/ upgraded solid wood cabinetry, granite countertops & an oversized prep island, opening seamlessly to both an informal dining area and a formal dining room with elegant plant shelves. The spacious great room is anchored by a beautiful gas fireplace, creating a warm and inviting space for relaxing and entertaining.Thoughtful upgrades include engineered hardwood and tile flooring plantation shutters, designer light fixtures and ceiling fans and two toned interior paint throughout. The owner's suite offers a serene retreat , a walk-in closet, dual sinks, soaking jetted tub and a beautifully tiled walk-in shower. The guest suite is generous in size and adjacent to a full bath featuring a fully tiled shower. The interior laundry room includes a washer and dryer with cabinets. The extended-length two-car garage features epoxy flooring for a polished look. Step outside to your private backyard oasis with a covered patio, extended paver area, gas fireball pots and lush landscaping ideal for outdoor dining and relaxation. Enjoy resort-style living with access to Painted Mountain Golf Course, clubhouse, heated pool & spa, fitness center, and more! Conveniently located near shopping, dining and freeway access. This home truly embodies the luxury lock-and-leave lifestyle you've been waiting for. Tuscany Villas residents enjoy an exceptional array of community amenities, including a luxurious clubhouse, sparkling pools and spa, state-of-the-art fitness center, pickleball courts, billiards, beautifully landscaped parks, playgrounds and scenic walking paths all designed to promote an active, social and vibrant lifestyle.

6202 E Mckellips Road Unit 9, Mesa
$475,000
3 Beds ⋅ 3 Baths ⋅ 7070361 MLS ⋅ 2,051 SqFt.
Come home to a vibrant Gilbert lifestyle in this inviting 3-story townhome, where granite finishes and flexible living spaces set the stage for everyday comfort and effortless entertaining. Start your mornings with coffee nearby, spend evenings exploring local dining, and enjoy the convenience of shops and entertainment just moments from your door.

2790 S Alpine Drive, Gilbert
$305,000
2 Beds ⋅ 2 Baths ⋅ 7070245 MLS ⋅ 991 SqFt.
Beautifully updated and move-in ready, this refreshed condo welcomes you with a bright, open feel from the moment you step inside. The living room has been thoughtfully reconfigured by removing the corner niche, creating a more spacious and versatile layout ideal for relaxing, entertaining, or creating a dedicated workspace. The open-concept kitchen shines with crisp white cabinetry, recessed lighting, and stunning new quartz countertops, offering both style and functionality. Fresh interior paint throughout and updated flooring in the bedrooms provide a clean, modern aesthetic, making this home truly turnkey. Thoughtfully refreshed with today's buyer in mind, this inviting residence is ready for you to move in and make it your own

1351 N Pleasant Drive Unit 2049, Chandler
$325,000
3 Beds ⋅ 2 Baths ⋅ 7070094 MLS ⋅ 1,724 SqFt.
This home qualifies for Community Lending Program (CLP) with $7,500 to be used for buyers down payment, closing costs, & prepaids. Welcome home to this beautifully remodeled 3-bedroom, 2-bath end-unit townhouse offering 1,724 sq. ft. of comfortable, low-maintenance living in an established Mesa community. This move-in-ready home has been thoughtfully updated from top to bottom. The completely remodeled kitchen features new cabinetry, granite countertops, smart appliances, and smart lighting, creating a fresh, modern space for cooking and entertaining. Both bathrooms have also been beautifully updated, while luxury vinyl flooring throughout the home is waterproof, scratch-resistant, and pet-friendly--combining style with everyday durability. The home also offers plenty of functional and flexible living space, including a good-sized laundry room and enclosed back patio--perfect for relaxing and extra storage. Major improvements go beyond the finishes. The HVAC system is only four years old, and all sewer lines within the home were replaced two years ago, providing added peace of mind for the next owner. As an end unit, the home enjoys a desirable location within the community, conveniently situated near the pool. The HOA provides extensive exterior maintenance and services, including roof repair and replacement, exterior building surfaces and painting, common-area landscaping, covered parking areas, exterior pest control, and water. Enjoy the convenience of being close to Downtown Mesa, public transportation, bus service, and light rail, with easy access to shopping, dining, entertainment, and everything the East Valley has to offer. With a complete interior remodel, newer HVAC, recently replaced sewer lines, extensive HOA-maintained exterior features, and a prime end-unit location near the community pool, this home offers an exceptional combination of comfort, convenience, and low-maintenance living. Owner holds an AZ real estate license.

560 N Hobson Plaza, Mesa
$333,000
3 Beds ⋅ 2 Baths ⋅ 7070024 MLS ⋅ 1,510 SqFt.
Spacious, well-kept townhome in a convenient Tempe location with a community pool, clubhouse, mature greenbelts and grassy common areas. Fresh paint and carpet in the living room, dining area and all three bedrooms. Kitchen and second dining area have laminate flooring; bathrooms and laundry are tile. Remodeled kitchen features updated appliances, countertops, sink, faucet and refinished cabinets. Baths have updated sinks. AC replaced in 2024 and roof replaced in 2026. Private patio with shed storage and three assigned parking spaces, two covered. HOA covers exterior maintenance, water, sewer and trash. Easy access to US 60, Loop 101 and I-10.

1505 E Southern Avenue, Tempe
$375,000
2 Beds ⋅ 2 Baths ⋅ 7070000 MLS ⋅ 1,426 SqFt.
Spacious, bright and beautifully updated, this single-level townhome blends style, comfort and easy living. Enjoy thoughtful updates, including beautiful wood-look flooring throughout, recessed lighting, updated fixtures and ceiling fans, dual-pane Andersen windows, and a crisp white kitchen with granite countertops and stainless steel appliances. Additional highlights include a newer roof and a 2-car garage offering secure parking, valuable storage, plus the rare convenience of community RV/boat parking. The beautifully redesigned backyard is a showstopper, featuring stylish pavers, artificial turf and a view fence overlooking the lush community greenbelt, an inviting backdrop for morning coffee, outdoor dining or entertaining. Outdoor living shines with both front and back patios, offering multiple spaces to relax and enjoy Arizona living. Pepperwood offers a charming neighborhood setting with refreshing pools and spa amenities and low monthly HOA fees. Ideally located near Kiwanis Park, Arizona Mills, South Mountain, golf, shopping and dining, with convenient access to ASU, Sky Harbor International Airport and the US-60, I-10 and Loop 101. Beautifully maintained, thoughtfully updated and ready to enjoy. This is easy Tempe living at its best!

5323 S Mitchell Drive, Tempe
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