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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

$435,000
2 Beds ⋅ 2 Baths ⋅ 7069236 MLS ⋅ 1,633 SqFt.
Welcome to this impeccably maintained, upgraded villa located in the highly desirable, gated golf community of Tuscany Villas at Painted Mountain Golf Resort. Villa is an end unit featuring an oversized, south-facing backyard & a private, gated courtyard entry. Inside, an open floor plan awaits, showcasing a gourmet kitchen with granite countertops, a generous island, modern chalk appliances & custom cabinetry with pull-out drawers. Both an informal dining area & a formal dining room provide versatile spaces for hosting. The spacious great room, accented by large windows and elegant tile flooring, offers abundant natural light. The master retreat boasts a walk-in closet, a luxurious soaking tub, and a walk-in shower, while the second bedroom is private with full bathroom. This home features its own private driveway and an extended two-car garage complete with built-in cabinetry for added storage. The backyard is beautifully landscaped, offering a peaceful setting for relaxation or entertaining. Enjoy added comfort with an electric retractable awning for sun protection and an extended patio perfect for outdoor living. The HOA provides additional amenities for a worry-free lifestyle.Tuscany Villas offers residents exclusive access to a luxurious clubhouse and a variety of exceptional amenities designed for leisure and recreation. Enjoy refreshing dips in the pools, unwind at the spa, or maintain an active lifestyle in the state-of-the-art fitness center. Engage in friendly competition on the pickleball courts or challenge friends to a game of pool. The community also features beautifully landscaped parks and playgrounds, inviting gathering spaces, and scenic walking paths, ensuring a vibrant and active lifestyle for all residents.

6202 E Mckellips Road Unit 189, Mesa
$355,000
3 Beds ⋅ 3 Baths ⋅ 7069181 MLS ⋅ 1,535 SqFt.
Welcome to Breckenridge, one of Gilbert's most charming and well maintained communities nestled just minutes from the heart of a rapidly growing downtown. This beautifully updated 1,535 square feet corner unit home with 3 bedrooms and 3 bathrooms blends modern upgrades with timeless character, creating a warm and inviting space that feels both fresh and classic. Featuring vaulted ceilings, brand new appliances, and thoughtful renovations throughout, this home is truly move-in ready for its next owners while still preserving a timeless charm that makes it so special. With downtown Gilbert continuing to thrive with new restaurants, shops, and entertainment, the location could not be more ideal. Come and see it for yourself!

170 E Guadalupe Road Unit 136, Gilbert
$310,000
2 Beds ⋅ 3 Baths ⋅ 7069167 MLS ⋅ 1,072 SqFt.
Just minutes from Arizona State University, this 2-story condo offers the perfect combination of location and lifestyle. Freshly painted throughout with newer flooring for a clean, updated feel. Featuring dual master suites, this two-level layout offers great separation of space. Bathrooms feature resurfaced showers, new toilets, and updated fixtures, plus new ceiling fans throughout. A real wood-burning fireplace is a rare and sought-after feature. Step outside to a private front patio, or head upstairs to a private balcony off the bedrooms. This property works equally well as an investment, a first home, or an owner-occupant opportunity.

1245 W 1st Street Unit 116, Tempe
$419,989
4 Beds ⋅ 3 Baths ⋅ 7069109 MLS ⋅ 1,960 SqFt.
LOCATION- LOCATION- LOCATION! Rare unit available, This is the biggest floorplan in this community, and the VERY private location in the community. This has it all! Elegant HardWood floors 2025, Fresh paint 2025, NEW AC 2023 and all Stainless Steelappliances stay! This lay out is perfect for ''roommate'' set up, or Multi-generational living with MasterBedroom and full bath on 1st floor, then 1 bed and bath on 2nd, and 2 beds and baths on 3rd floor! There is something for everyone! WAIT TILL YOU SEE THE VIEW! The private patio and balcony are fully shaded, overlooking gorgeous cool green grassy area. Perfct for little ''fur babies'' or kiddos. (see more tab) The oversized 2 car garage out back has a newer opener motor and professionally epoxied floor. WAIT TILL YOU SEE THE POOL AREAS! Fully gated community, excellent management, and upscale living make this the PERFECT CHOICE for you! $8k, and Home Warranty for the Buyer with accepted offer.

900 S 94th Street Unit 1203, Chandler
$369,000
2 Beds ⋅ 3 Baths ⋅ 7069061 MLS ⋅ 1,897 SqFt.
Discover this charming corner waterfront townhome in the gated Lake Park Villas Community! Featuring 2 beds, 3 baths, and a 1-car garage. The interior boasts abundant natural light, a neutral palette, plush carpet & wood laminate floors throughout. Upstairs, the living room flows seamlessly into the eat-in kitchen. The kitchen offers ample white cabinetry, SS appliances, a breakfast bar, and sliding glass doors to the view balcony. A versatile bonus room in the basement can be a guest room or flex space. The primary bedroom includes an ensuite and large walk-in closet. The second bedroom is also ensuite. Ideally positioned with lake and Dobson Ranch Golf Course views! Enjoy community amenities with a heated pool, clubhouse, and access to all Dobson Ranch parks & recreation. Move-in ready

2524 S El Paradiso -- Unit 90, Mesa
$295,500
3 Beds ⋅ 2 Baths ⋅ 7068994 MLS ⋅ 1,408 SqFt.
Clean 3-bedroom home! Featuring a brand-new roof (2026), Fresh interior paint, new carpet in bedrooms, updated stainless appliances. Tile Floors in all living areas. Large master bedroom, oversized secondary bedrooms. LED can lights in living room. New Kitchen Faucet, Cooktop and Countertops. Conveniently located near Grade School, Kiwanis Park, Grocery Shopping, Sky Harbor Airport, ASU and Loop 101, Loop 202, and US-60.

10 E Hermosa Drive, Tempe
$265,000
2 Beds ⋅ 3 Baths ⋅ 7068991 MLS ⋅ 1,317 SqFt.
Enjoy peaceful lake views in this charming townhome retreat! This inviting two-story, 2-bedroom, 2.5-bath home is nestled in a lively lake community and features beautiful water views from not one, but two patios--including a private deck just off the upstairs primary suite. Inside, you'll find a welcoming interior with a thoughtfully designed layout that feels both open and comfortable. The kitchen is equipped with fridge, stove and dishwasher, along with a spacious pantry, and the generous upstairs primary bedroom offers a large walk-in closet along with its own private ensuite bath. Step outside to the lakeside patio--an ideal spot for relaxing evenings or entertaining guests while enjoying the view. There's also a hard to find attached one car garage.

2208 W Lindner Avenue Unit 40, Mesa
$360,000
3 Beds ⋅ 2 Baths ⋅ 7068987 MLS ⋅ 1,200 SqFt.
This beautifully maintained single-story condo is located in the desirable Lakes community of Tempe offering privacy with no neighbors above, a private updated patio, and thoughtful updates throughout. Recent improvements include updated flooring, primary shower, dishwasher, tankless water heater, LG Smart washer/dryer, tub surround, Google Nest thermostat, and reverse osmosis system. Enjoy one garage parking space, an additional lot space, and ample street parking just steps away for guests. The Lakes offers fantastic amenities including a clubhouse, pool, pickleball, playgrounds, community events and more. Conveniently located just 15 minutes from ASU, close enough to enjoy games and campus events without the hassle of university traffic. Within walking distance of an elementary, middle, and high school right in the neighborhood. A wonderful opportunity to enjoy comfort, convenience and an incredible Tempe location! Remodeled with upgrades galore. New luxury wood plank finish flooring throughout. Remodeled bathrooms with custom tile surrounds and upgraded vanities. Upgraded 2 panel interior doors. Upgraded high baseboards. Easy pull window shades. Dual pane windows. Modern kitchen with quartz countertops, Stainless Steel appliances and white cabinets. Dishwasher new in 2024. Farm sink with R/O system. Lots of extra cabinet storage in dining area. Refrigerator, washer and dryer convey. Stacked washer/dryer new in 2025. Tankless gas hot water heater. Upgraded NEST T-stat system. Upgraded ceiling fans in all bedrooms and great room. Easy pull window shades. 1 car garage with additional assigned space. Private back patio with pavers and artificial turf. Community pool, spa, workout facility & pickleball.

5631 S Bounty Court Unit B, Tempe
$270,000
2 Beds ⋅ 2 Baths ⋅ 7068986 MLS ⋅ 927 SqFt.
Home, sweet home! This charming 2-bedroom, 2-bath townhome in Park Centre Casitas welcomes you with an inviting great room boasting soaring vaulted ceilings, a neutral palette, blinds, and durable tile flooring for easy maintenance. The well-appointed kitchen features granite counters, ample cabinetry, sleek stainless steel appliances, and a two-tier peninsula with a breakfast bar for quick meals. The cozy primary bedroom includes a private bathroom with double sinks and a convenient walk-in closet. Unwind at the end of a long day on the lovely balcony, offering serene views of the neighborhood. The Community boasts a refreshing pool, cabanas, and well-maintained common areas. Don't miss out on this one!

1001 N Pasadena -- Unit 146, Mesa
$280,000
2 Beds ⋅ 2 Baths ⋅ 7068862 MLS ⋅ 889 SqFt.
Updated, move-in ready, and right in the middle of everything! This 2-bedroom, 2-bath Mesa townhome offers a bright, open layout with vaulted ceilings and plenty of natural light. The spacious kitchen provides ample cabinet and counter space and opens comfortably to the main living area. A split bedroom layout adds privacy, while the primary suite features a walk-in closet and private bath. Enjoy your own private balcony, attached garage, in-unit laundry, and access to the community pool. Conveniently located near Riverview, Tempe Marketplace, Downtown Mesa, and Loop 202, with shopping, dining, entertainment, and outdoor recreation all just minutes away. A great option for anyone looking for low-maintenance living in a central Mesa location!

1001 N Pasadena -- Unit -44, Mesa
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