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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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AZ Conventional Loan Down Payment Assistance Program

The Arizona Conventional Home Plus home loan program is very popular because it offers assistance that can be used for down payment and/or closing costs equal to as much as 5% of the mortgage loan.

The main advantage to a conventional loan is that there is more flexibility related to mortgage insurance. Conventional loans require mortgage insurance if your down payment is less than 20%; however, you have the option of removing it in the future.

Another benefit is that mortgage insurance is typically cheaper with a conventional loan than it is with a FHA loan. So, your payments could be lower.

Arizona Conventional Home Plus Program Highlights

  • Down payment assistance options between 1% and 5%. You can choose what is best for you based on your loan scenario.
  • No first time home buyer requirement for most programs.
  • Qualified members of the U.S. military (active and Veterans) are eligible for an additional 1% of down payment assistance.
  • The money is consistently available.
  • The assistance money received is a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership. The lien is completely forgiven after you stay in the home for three years without refinancing. The purpose of the silent second is to provide stability and ensure the ongoing success of the Home Plus Assistance Program in Arizona.

Home Plus Fannie Mae HFA Preferred Loan Program

This program is derived from the Fannie Mae HomeReady program and is one of the Arizona conventional Home Plus loan programs offered. It is offered anywhere in Arizona.

Home Plus Freddie Mac HFA Advantage Loan Program

This program is derived from the Freddie Mac Home Possible Advantage program and is the other Arizona conventional Home Plus loan programs offered. It is offered anywhere in Arizona.

Additional Program Highlights:

  • The Home Plus Fannie Mae HFA Preferred Loan Program offers down payment assistance options between 1% and 5%. You can choose what is best for you based on your loan scenario.
  • The Home Plus Freddie Mac HFA Preferred Loan Program offers down payment assistance options between 1% and 5%.
  • Minimum FICO score is 640.
  • Maximum debt-to-income of 50%
  • Maximum income of $105,291

Is the Arizona Conventional Home Plus down payment assistance program right for you? Let’s find out.

HOMES WE CAN HELP YOU FINANCE

$299,999
2 Beds ⋅ 3 Baths ⋅ 7074459 MLS ⋅ 1,152 SqFt.
Welcome to this gorgeous, move-in-ready 2-bedroom, 2.5-bath townhome nestled in a quiet, gated community. Enjoy resort-style living with access to a heated community pool, clubhouse, fitness center, playgrounds, and beautifully maintained common areas. The interior features tile flooring, custom accent paint, and 2'' blinds throughout. The eat-in kitchen boasts granite countertops, a breakfast bar, raised panel cabinets, smooth-top range, and a built-in microwave--perfect for dining and entertaining. Additional highlights include: a spacious laundry room, dual walk-in closets in the primary suite, a covered patio with an extended concrete pad for outdoor enjoyment, and 2 assigned parking spaces! This home offers comfort, style, and convenience all in one package!

7726 E Baseline Road Unit 154, Mesa
$345,000
2 Beds ⋅ 2 Baths ⋅ 7074264 MLS ⋅ 1,239 SqFt.
Welcome home to effortless, modern living in an unbeatable location! This beautifully upgraded 2-bedroom, 2-bathroom townhome perfectly blends contemporary style with everyday convenience. The bright, open floor plan features brand-new custom paint and premium waterproof laminate flooring. The heart of the home flows seamlessly into the kitchen, where you can look out through the dining space directly onto your private covered patio. Both bathrooms have been fully modernized with new quartz countertops, under-mount sinks, updated faucets, and contemporary lighting. Stay cool and comfortable with a top-tier, 2-year-old AC unit and brand-new contemporary ceiling fans in every room. The attached 1-car garage comes equipped with a brand-new Chamberlain garage door opener. Located across from Intel, this unit is minutes from premier shopping, top-rated dining, and golf courses. This turn-key gem is perfect for professionals, investors, or anyone seeking a vibrant lifestyle. See it before it's gone!

295 N Rural Road Unit 142, Chandler
$275,000
2 Beds ⋅ 2 Baths ⋅ 7074021 MLS ⋅ 1,024 SqFt.
Recent upgrades include fresh paint (2022), new blinds (2023), all-new ceiling fans and lighting (2023), and window tints (2025), plus an insulated garage attic for added efficiency. Tucked inside a desirable gated community, this well-maintained home offers privacy, comfort, and low HOA fees. The split floorplan creates inviting living spaces with a peaceful atmosphere throughout. A standout feature is the private backyard, backing to a wash for extra privacy, with a covered patio, fountain, and fire pit adding even more separation and a quiet, secluded feel. Ideally situated near shopping, dining, and freeway access, this home is part of a clean, well-kept community with a community pool, delivering low-maintenance living in a secure, sought-after setting.

6610 E University Drive Unit 58, Mesa
$379,000
2 Beds ⋅ 2 Baths ⋅ 7073908 MLS ⋅ 1,502 SqFt.
***GORGEOUS...MOVE-IN READY...MINT CONDITION...SINGLE STORY...2 Bed/2Bath TOWNHOME in NE MESA*** Located in the highly sought-after Sunland Springs Village 55+ Community, this luxurious OPEN FLOOR PLAN condo INCLUDES MOST FURNISHINGS (on a separate bill of sale), offers a SPLIT FLOOR PLAN & is LOADED w/ UPGRADES like NEW ROOF, PLANTATION SHUTTERS, NEW APPLIANCES, TILE FLOORING, NEW FIXTURES & so much more!! Finishing touches include a PRIVATE OUTDOOR PATIO, 2-CAR GARAGE w/ BUILT-IN CABINETRY & lots of storage space!! Perfect for WINTER VISITORS & YEAR-ROUND RESIDENTS ALIKE, this unit is meticulously kept from top to bottom. Sunland Springs Village offers amazing amenities & facilities like TENNIS, PICKLEBALL, GOLF, WORKOUT FACILITIES, LIBRARY, CRAFTS, BILLIARDS & SO MUCH MORE!!

11360 E Keats Avenue Unit 70, Mesa
$450,000
2 Beds ⋅ 3 Baths ⋅ 7073907 MLS ⋅ 1,484 SqFt.
***RARE GOLF COURSE TOWNHOME*** Don't miss the AMAZING GOLF COURSE & LAKE VIEWS in this STUNNING, MOVE-IN READY, MINT CONDITION, SINGLE STORY Townhome in ALTA MESA PARKLINKS commuinty in NE Mesa!! Available FULLY FURNISHED, it's LOADED w/ UPGRADES like GRANITE COUNTER TOPS, 42'' CUSTOM CABINETS, WOOD-LOOK TILE FLOORS, NEW AC, (2025), NEW HOT WATER TANK (2024) ,NEWER ROOF (2020). The OPEN FLOOR PLAN features LOTS OF UPGRADED WINDOWS for INCREDIBLE NATURAL LIGHTING & AMAZING VIEWS. Step outside & take in the BREATH-TAKING GOLF COURSE & LAKE VIEWS from your TILED, COVERED PATIO & SYNTHETIC TURF YARD perfect for entertaining! This RARE CORNER UNIT features HEATED COMMUNITY POOL & SPA steps from your front door!! Easy walk through private community gate to parks, shopping, restaurants & more! ***5445 E, McKellips,Unit 28 --Highlights and Extras!!*** -BUILDERS UNIT...with FULL SCALE KITCHEN RENOVATION with Granite Counter Tops -CORNER UNIT-only ONE Shared Wall -1484 Square Foot, 2 Bed/2.5 Bath-SINGLE STORY, OPEN FLOOR PLAN -"Wall of Windows" with GORGEOUS 180 Degree View of Golf Course and Lakes -Available FULLY FURNISHED -Newer Roof (2020) with Fully Transferable Warranty -Newer HVAC (2025) with Fully Transferable Warranty ($250 Fee) -Newer Water Heater (2024) -New Energy Efficient Windows (2016) w/ Transferable Lifetime Warranty -Tile Flooring in all areas but Bedrooms -Tiled Covered Patio with Wet Bar/Storage & Synthetic Turf Area -Wet Bars in Living Room & Primary Bedroom -Guest Bedroom features Private en suite Bathroom -INDOOR LAUNDRY- Commercial Quality Washer & Dryer -2 Car Garage PLUS 2 Car Driveway Parking -Heated Pool & Spa just steps from your front door -Dog exercise area adjacent to the unit -Truly Nolan Termite Protection Warranty Fully Transferable ($75 Fee) -Vivint Home Security System Included (monthly monitor service additional) -Private Community Gate Exit to Alta Mesa Park & Restaurant areas

5445 E Mckellips Road Unit 28, Mesa
$339,990
2 Beds ⋅ 3 Baths ⋅ 7073882 MLS ⋅ 1,272 SqFt.
Updated and move-in ready 2-bedroom, 2.5-bath townhome in Chandler, AZ, offering comfort, style, and convenience. Featuring updated flooring throughout, this inviting home offers a bright and functional layout with spacious living areas and a well-appointed kitchen with ample cabinet and counter space. The two bedrooms provide comfortable living space, with the primary bedroom offering added privacy and convenience. Enjoy easy parking with 1 dedicated slab parking space. Conveniently located near shopping, dining, parks, schools, and major roadways, this townhome offers a great combination of modern updates, functionality, and everyday Chandler living.

500 N Roosevelt Avenue Unit 59, Chandler
$289,900
2 Beds ⋅ 2 Baths ⋅ 7073875 MLS ⋅ 975 SqFt.
Lake Community Living! Vaulted Ceilings + Resort Amenities. Welcome to this charming 2-bedroom townhome in highly sought-after Beach Club Village at Val Vista Lakes! Step inside to bright, open living spaces featuring soaring vaulted ceilings, wood-look flooring, abundant natural light, and a neutral palette that creates a warm, inviting feel. The well-appointed kitchen offers oak cabinetry, a spacious peninsula, and plenty of prep space--perfect for everyday living or entertaining. The primary suite includes a walk-in closet and dual sinks for added comfort. Enjoy your morning coffee or unwind on the private patio. Residents enjoy resort-style amenities including a pool, spa, lake access, tennis courts, and more. Conveniently located near shopping, dining, and freeway access.

1633 E Lakeside Drive Unit 66, Gilbert
$312,000
2 Beds ⋅ 2 Baths ⋅ 7073793 MLS ⋅ 1,064 SqFt.
Great location!! Welcome to this inviting 2-bedroom, 2-bath townhome in desirable Sunland Springs Village. The bright, open floor plan features high ceilings and sought-after tile flooring throughout--no carpet! Updates include new vinyl windows throughout and an updated master bath stall. The kitchen offers Corian countertops, ample cabinetry and stainless steel appliances. Washer and dryer are included, the A/C is regularly maintained, and the water heater was replaced in 2021. Enjoy a covered patio overlooking the beautiful greenbelt with no neighbors behind, offering a peaceful, private setting to enjoy the Arizona outdoors.

10960 E Monte Avenue Unit 174, Mesa
$255,000
2 Beds ⋅ 2 Baths ⋅ 7073496 MLS ⋅ 813 SqFt.
Welcome to this exquisite, fully updated 2-bedroom, 2-bathroom single-story townhome nestled in the heart of Gilbert, just around the corner from bustling downtown. Step inside to a generous, sunlit living area framed by large windows that flood the home with natural light. The sleek kitchen features elegant quartz countertops, stainless steel appliances, ample storage, and a convenient breakfast bar ideal for meal prep and entertaining. Enjoy seamless indoor-outdoor living on the covered, screened-in patio, leading to a private fenced backyard complete with an exterior storage closet. Major upgrades offer total peace of mind, including a Trane AC unit replaced in 2021 and a new water heater installed in 2023. Perfect for effortless, comfortable living!

425 E Cullumber Avenue Unit C, Gilbert
$225,000
2 Beds ⋅ 2 Baths ⋅ 7073432 MLS ⋅ 920 SqFt.
Fall in love with this charming condo in the 55+ Red Mountain Villas Community, featuring 2 beds, 2 baths, and a 1-car garage w/built-in cabinetry. The interior boasts abundant natural light, wood-look floors through-out, open concept living area that flows seamlessly into the eat-in kitchen. The kitchen is equipped with recessed lighting, ample wood cabinetry & counterspace, and built-in appliances. The primary suite includes a private bath with a walk-in tub for added convenience. The secondary bedroom features carpet and a separate exit to the back. A covered patio provides the perfect spot for relaxing or entertaining. Enjoy community amenities including a pool & spa and ramadas with BBQ grills, plus convenient access to golf, shopping, and dining. Move-in ready!

1951 N 64th Street Unit 65, Mesa
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