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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

$255,000
2 Beds ⋅ 3 Baths ⋅ 7069996 MLS ⋅ 1,109 SqFt.
Move-in ready and ideally located, this 2-bed, 2.5-bath townhome offers comfortable living in a desirable gated Mesa community! Perfect for first-time buyers or anyone seeking a low-maintenance lifestyle, this home features tile flooring on the first level, beautiful hardwood flooring upstairs, and tall ceilings. The kitchen flows seamlessly into the living room, making everyday living and entertaining a breeze. Step outside to your private patio, which opens to a peaceful greenbelt. Additional highlights include assigned parking, a community pool, and an A/C unit replaced in 2022. The HOA includes water and trash for added convenience. Enjoy an excellent location near the Mesa Arts District, light rail, dining, shopping, and everyday amenities!

455 S Mesa Drive Unit 149, Mesa
$359,000
4 Beds ⋅ 3 Baths ⋅ 7069840 MLS ⋅ 2,622 SqFt.
This spacious home offers over 2,600 square feet of living space, including a BASEMENT! The cool basement features a large great room, two bedrooms, a full bathroom, Den/Office & laundry room. While the Primary suite, guest bedroom, living room and kitchen all reside on the main level. The granite countertops throughout add a timeless, upgraded touch to the home. Enjoy the privacy of the enclosed patio and the convenience of the two car garage with its valuable storage. Three Fountains community offers fantastic amenities including a multi-use sports court, playground, and pool. The HOA dues cover water, sewer, & exterior maintenance creating a low-maintenance living experience. With two generous living spaces, versatile rooms, & desirable community amenities, this home offers an exceptional combination of ample sq/ft, functionality, and convenience.

1550 N Stapley Drive Unit 125, Mesa
$289,900
2 Beds ⋅ 2 Baths ⋅ 7069516 MLS ⋅ 1,104 SqFt.
Charming two-story, 2-bedroom home in a fantastic North Tempe location! Enjoy easy access to ASU, Tempe Town Lake, Papago Park, Phoenix Zoo, Desert Botanical Garden, Mill Avenue, shopping, dining and nightlife. Convenient access to Loop 202 makes Downtown Phoenix, Sky Harbor Airport, Chase Field and PHX Arena just minutes away. Inside, enjoy granite countertops, tile flooring on the main level and wood-look laminate flooring upstairs. The two-story layout provides nice separation between living and bedroom spaces. A wonderful opportunity for low-maintenance living near some of Tempe and Phoenix's best recreation, entertainment and attractions. Contact to make appointment to tour property.

604 E Weber Drive Unit 16, Tempe
$465,000
3 Beds ⋅ 3 Baths ⋅ 7069430 MLS ⋅ 1,735 SqFt.
Welcome to this immaculate, updated beautiful home in Gilbert's highly sought-after Spectrum subdivision! From the moment you step inside, you will notice the tasteful, neutral design and beautiful tile flooring that flows seamlessly throughout the entire home.The heart of the home features a spectacular open floorplan where a light and bright kitchen opens directly into the spacious gathering area. Culinary enthusiasts will love the gorgeous quartz countertops, stainless steel appliances, and a massive walk-in pantry with abundant storage. Upstairs is an open loft for office or sitting area! Both the kitchen and bathrooms have been completely refreshed with modern, premium finishes.This property offers true peace of mind with quality post-tension construction, roof replaced in 2025, a 2019 HVAC system, a newer gas water heater, a soft water system, and a few new windows installed a few years ago. Outside, enjoy an ultra-low-maintenance backyard featuring new artificial turf. Because the HOA completely maintains the front yard, you will have plenty of free time to relax and take advantage of everything this vibrant community has to offer. The neighborhood features a sparkling community pool, tennis courts, multiple parks, open green spaces, and community ramadas.Perfectly situated near the absolute best of Gilbert, you are just minutes away from premier shopping, excellent dining, and convenient freeway access. Move-in ready and beautifully maintained, this exceptional home is just waiting for its lucky new buyer!

1393 E Joseph Way, Gilbert
$225,000
2 Beds ⋅ 1 Baths ⋅ 7069402 MLS ⋅ 918 SqFt.
Welcome to this clean and inviting 2-bedroom, 1-bath townhome tucked away toward the quiet rear of the community, just steps from convenient parking and the sparkling community pool. The home features fresh interior paint, new carpet, vinyl flooring, and modern finishes throughout. The kitchen is equipped with stainless steel appliances and opens to a spacious dining and family room, creating a comfortable layout for everyday living and entertaining. Upstairs, you'll find two well-sized bedrooms and a full bathroom with a tub/shower combination. The private patio offers plenty of space to relax and enjoy Arizona's beautiful weather and features low-maintenance artificial turf. The enclosed laundry and utility room is conveniently located off the patio. Ideally situated near major freeways, shopping, dining, Mesa Community College, Banner Desert Medical Center, and more, this townhome offers a great combination of comfort, convenience, and low-maintenance living.

948 S Alma School Road Unit 154, Mesa
$247,000
2 Beds ⋅ 2 Baths ⋅ 7069400 MLS ⋅ 900 SqFt.
Pride of ownership shines in this turn-key, single-story townhome! Move-in ready with new cabinetry, countertops, and appliances, paint throughout plus new flooring and fresh baseboards throughout. This 2-bed, 2-bath end unit offers inside laundry, private storage, and 2 assigned parking spaces. Minutes to Downtown Mesa, ASU, dining, light rail, and easy highway access!

141 N Date Street Unit 20, Mesa
$280,000
2 Beds ⋅ 2 Baths ⋅ 7069391 MLS ⋅ 831 SqFt.
Ready to love where you live? This move-in-ready dual-suite condo checks all the boxes! Enjoy wood-look tile, plush carpet, neutral paint & modern fixtures throughout. The refreshed kitchen shines with new white shaker cabinetry, quartz counters & stainless-steel appliances. Both bathrooms feature new vanities & toilets for a fresh, modern feel. Relax poolside or unwind in the community spa, with water, sewer, trash & exterior maintenance covered by the HOA. Plus, a 1-car carport and a prime location just minutes from Downtown Chandler make this one a must-see!

25 N Cottonwood Street Unit 63, Chandler
$420,000
2 Beds ⋅ 3 Baths ⋅ 7069302 MLS ⋅ 1,476 SqFt.
Welcome to The Lakes at Annecy, a gated lake community offering resort-style living just minutes from every day conveniences. Built in 2021 and beautifully maintained over the years, this 2-bedroom, 2.5 bathroom townhouse blends modern design with easy, everyday comfort across three thoughtfully laid-out levels. Recent updates, including a water softener (2023), add to the ease of everyday living. The first level welcomes you home with a private front patio and access to the 2-car tandem garage, complete with epoxy flooring. Upstairs on the second level, an open living space is anchored by a modern kitchen featuring white shaker cabinetry, stainless steel appliances, a breakfast bar, a spacious island, and a gorgeous tile backsplash, plus a balcony for a breath of fresh air. The third level is home to the primary bedroom and guest suite/home office, each offering their own private retreat. The primary suite features an en-suite bathroom with dual vanities, a newly updated tile shower (January 2026), and a spacious closet, while the guest suite, complete with its own en-suite bathroom, flexes beautifully as a home office, guest quarters, or bonus space. Third-level laundry adds everyday convenience. Beyond your home, this gated community offers a sparkling pool and spa, biking and walking paths, and a children's playground, all set within a picturesque lake community. Conveniently located near shopping, dining, and medical offices, with quick access to Loop 202 south for an easy commute to the rest of the Valley!

1676 E Hampton Lane, Gilbert
$490,000
3 Beds ⋅ 2 Baths ⋅ 7069295 MLS ⋅ 1,611 SqFt.
Step into easy, elevated living at Mosaic at Layton Lakes. This GATED 3-bedroom, 2-bath residence offers a 2-car garage, a beautifully finished interior, and an ideal Gilbert location. The two-story layout is designed with both comfort and entertaining in mind, featuring an open main living area, stylish finishes, and abundant natural flow throughout. At the heart of the home, the kitchen combines function and style with quartz countertops, 42-inch cabinetry, stainless steel appliances, a large center island, and plenty of storage. The luxury vinyl plank flooring gives the home a fresh, modern feel. Upstairs, the spacious primary retreat includes a walk-in closet, dual vanities, and a walk-in shower. Life here is designed to be convenient. The HOA includes water, gas, and trash, while the community offers an impressive lineup of amenities including a resort-style pool and spa, splash pads, playgrounds, tennis courts, and miles of walking and biking paths. Layton Lakes also provides an abundance of green space, neighborhood parks, lakes, trails, basketball court, sand volleyball, baseball field, and other recreational areas to enjoy. With shopping, restaurants, entertainment, and top-rated schools close by, the location is hard to beat. Carefully maintained and truly move-in ready, this home offers a low-maintenance lifestyle with the polished look of a newer property. Whether you're looking for your first home, a lock-and-leave property, or a smart investment, this one deserves a closer look.

733 E Lark Street Unit 202, Gilbert
$429,500
2 Beds ⋅ 3 Baths ⋅ 7069256 MLS ⋅ 1,297 SqFt.
Don't miss this beautifully updated, move-in-ready home in a DESIRABLE gated Chandler community! Step inside to a bright, OPEN floorplan filled w/ natural light. NEW custom shutters offer style & flexibility, allowing the upper third to remain open for light while the lower portion stays closed for privacy. The kitchen offers PLENTY of storage, SS appliances, soft water system & walk-in pantry. Upstairs, a VERSATILE loft is perfect for a home office or lounge, along w/ two SPACIOUS bedrooms. The primary suite features a BEAUTIFULLY updated bath & walk-in closet. Outside, enjoy a LARGE patio overlooking a greenbelt, recently re-packed & coated for a refreshed finish & shaded much of the afternoon. The 2-CAR GARAGE features NEW epoxy flooring & AMPLE overhead storage. HVAC installed 2022 & the roof is maintained by the HOA. For the ultimate move-in-ready experience, this home offers the rare opportunity to be purchased FULLY FURNISHED! Beautifully maintained, thoughtfully updated, and ready to enjoy from day one - this Chandler home is ready to welcome its next owner.

4100 S Pinelake Way Unit 104, Chandler
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