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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

6202 E Mckellips Road Unit 160, Mesa
$420,000
2 Beds ⋅ 2 Baths ⋅ 7095985 MLS ⋅ 1,303 SqFt.
Welcome to Tuscany Villas at Painted Mountain Golf Course, a gated, lock-and-leave community offering carefree, resort-style living. This exceptional villa reflects true pride of ownership and welcomes you through a private gated courtyard, creating a charming setting to relax and gather with family and friends. Inside, an open-concept design is enhanced by white plantation shutters, tile flooring and newly installed 10/26 carpet. The stunning custom kitchen is truly unique, featuring 42'' Shaker cabinetry, a farmhouse sink, quartz countertops, Southwestern-inspired tile backsplash and an impressive custom credenza providing additional storage and distinctive character. An adjoining formal dining area with updated pendant lighting flows seamlessly into the spacious family room. The private owner's suite is filled with natural light and features a walk-in closet and ensuite bath with dual vanities and a walk-in shower. A second bedroom suite is complemented by a beautifully updated bath with a vibrant Southwestern flair. The laundry room provides additional built-in cabinetry for convenient storage. Newer A/C and roof add to the home's appeal. One of the true highlights is the oversized and exceptionally private backyard oasis. Mature trees create a peaceful setting with a covered patio, multiple paver patios and a custom gas adobe-style outdoor fireplace--a wonderful space to enjoy Arizona's beautiful weather. A private single driveway leads to the two-car garage, complete with built-in cabinetry and a utility sink. A list of select interior and exterior furnishings and items available for purchase is located in the Documents section. HOA includes: roof and exterior maintenance, front landscaping, cable, internet, and blanket insurance--providing true lock-and-leave convenience. Residents enjoy resort-style amenities including a clubhouse, heated pools and spa, fitness center, pickleball courts, billiards, landscaped parks, playgrounds, and scenic walking paths--all designed to support an active and vibrant lifestyle.

6202 E Mckellips Road Unit 160, Mesa
1339 S Owl Drive, Gilbert
$328,000
2 Beds ⋅ 2 Baths ⋅ 7095915 MLS ⋅ 1,188 SqFt.

1339 S Owl Drive, Gilbert
900 S 94th Street Unit 1107, Chandler
$340,000
3 Beds ⋅ 3 Baths ⋅ 7095799 MLS ⋅ 1,534 SqFt.
Seize the chance to own this end-unit townhome in Villa De Cielo! You're greeted by an inviting front patio perfect for morning coffee or refreshing drinks. Discover a spacious open layout with high ceilings, a soothing palette, blinds, and a harmonious blend of soft carpeting and durable tile flooring. The gourmet kitchen features granite counters, ample wood cabinetry, contemporary track lighting, stainless steel appliances, a practical pantry, and an island with a breakfast bar. The cozy primary bedroom includes a private bathroom with dual sinks for an efficient daily routine and a convenient walk-in closet. Enjoy the connivence of in unit laundry! Unwind at the end of a long day on the charming balcony, offering serene views of the neighborhood. Don't miss out on this lovely home!

900 S 94th Street Unit 1107, Chandler
875 S Nebraska Street Unit 38, Chandler
$325,000
2 Beds ⋅ 2 Baths ⋅ 7095695 MLS ⋅ 1,060 SqFt.

875 S Nebraska Street Unit 38, Chandler
1721 E Ellis Drive, Tempe
$349,900
2 Beds ⋅ 2 Baths ⋅ 7095682 MLS ⋅ 1,544 SqFt.
Discover this fantastic 2 bedroom with den, single story townhome in highly desired Tempe. This spacious home with a newer AC features an open layout with extended living space into your own private courtyard. New LVP flooring in the bedrooms makes this home carpet free with neutral tile in the living areas. You'll enjoy the extra large primary bedroom with a sitting area and expansive bath/closet area. The front bedroom is also roomy and light filled. And as an added bonus, the home features a den that can be used for an office, entertainment or a guest room. You'll delight at the granite countertops in the well centered kitchen with easy access to the dining room. The large great room rounds out the space with plenty of room to enjoy entertaining or just relaxing. Community is centrally located in Tempe with a Target and Fry's on the corner and abundant shopping nearby. Community is very convenient to the 60 and 101 for easy access around the valley.

1721 E Ellis Drive, Tempe
7950 E Keats Avenue Unit 164, Mesa
$219,500
1 Beds ⋅ 2 Baths ⋅ 7095413 MLS ⋅ 1,010 SqFt.
Making your way up to this beautiful condo that shows epoxy flooring front patio and through the entry is a large living room which is light and bright with a large window. The kitchen shows lots of honey oak cabinets, neutral counter tops, all appliances stay, wood flooring and a large pantry. Master bedroom is large with a walk-in closet and a tiled shower with glass door. The kitchen overlooks the family room and backyard. Fresh new paint on the inside and new carpet in the living room and master bedroom. The backyard faces sunny south with a large, covered patio and greenbelt.

7950 E Keats Avenue Unit 164, Mesa
6262 E Brown Road Unit 48, Mesa
$320,000
3 Beds ⋅ 3 Baths ⋅ 7095368 MLS ⋅ 1,421 SqFt.
Welcome to this beautifully remodeled end-unit townhome, offering modern finishes & a desirable location! Featuring updated flooring throughout, a refreshed kitchen, & renovated bathrooms, this move-in-ready townhome blends style & comfort. The kitchen showcases new sleek gray shaker cabinetry, quartz countertops, & stainless steel appliances. Three spacious bedrooms with high ceilings provide an open, airy feel, while 2.5 bathrooms feature updated cabinetry & countertops for a fresh, contemporary look. The upstairs laundry, including a washer & dryer, makes laundry a breeze. As an end unit, the home enjoys added natural light and a peaceful setting bordering the community greenbelt. Residents can also enjoy the community pool & spa, along with the convenience of two... ...assigned parking spaces. Ideally located near the Red Mountain 202 Freeway, shopping, and popular restaurants, this townhome offers the perfect combination of modern living, convenience, and community amenities.

6262 E Brown Road Unit 48, Mesa
7726 E Baseline Road Unit 201, Mesa
$304,999
3 Beds ⋅ 2 Baths ⋅ 7095306 MLS ⋅ 1,400 SqFt.
Style, comfort, and resort-style amenities await at Villa Rialto! This beautifully appointed condo showcases a kitchen with upgraded granite countertops, stainless steel appliances, and 42-inch maple cabinetry. Soaring 9-foot ceilings create an airy feel, complemented by contemporary finishes, ceiling fans in every room, and 2-inch window blinds. Enjoy the convenience of your own private garage with direct home access, then unwind at the heated community pool or recharge in the fitness center. Set within a gated community, this inviting home is your opportunity to enjoy the Villa Rialto lifestyle.

7726 E Baseline Road Unit 201, Mesa
4501 E Carol Avenue Unit 48, Mesa
$235,000
2 Beds ⋅ 2 Baths ⋅ 7095266 MLS ⋅ 1,002 SqFt.
Welcome to affordable Arizona living in the desirable 55+ community of Sunland Villas in East Mesa! Offered at just $235,000, this charming single-level, 2-bedroom, 2-bathroom home features 1,002 square feet of comfortable living space, an attached garage, and a covered patio perfect for enjoying Arizona's beautiful weather. Inside, you'll find a functional kitchen with white cabinetry, ample counter space, and a pantry, along with an inviting living area and a primary suite with its own private bathroom. Enjoy a low-maintenance lifestyle with HOA coverage that includes exterior maintenance, roof maintenance, water, sewer, and trash. Residents can take advantage of community amenities, including swimming pools, a clubhouse and recreational activities. Conveniently located near shopping, restaurants, golf courses, medical facilities, and easy access to US-60, this East Mesa location makes everyday living a breeze. Whether you're downsizing, searching for an affordable winter retreat, or looking for a lock-and-leave Arizona residence, this home delivers exceptional value, convenience, and an active adult lifestyle at an attractive price point!

4501 E Carol Avenue Unit 48, Mesa
948 S Alma School Road Unit 136, Mesa
$239,000
2 Beds ⋅ 1 Baths ⋅ 7095142 MLS ⋅ 825 SqFt.
Move-in ready, single-level residence in the Hallcraft Villas community with no neighbors above! Freshly painted throughout with brand-new carpet in both bedrooms, this well-maintained home features a bright, open living and dining area with wood-look tile flooring and French doors leading to a private, enclosed courtyard. The kitchen offers white cabinetry, stainless steel appliances, ample counter space, and an attractive tile backsplash. Both bedrooms feature spacious walk-in closets, ceiling fans, and abundant natural light. Additional highlights include an interior laundry area with washer and dryer, outdoor storage off the private patio, and a mature shade tree providing a welcoming outdoor retreat. Enjoy the community swimming pool and a convenient location near shopping, dining, parks, and freeway access. An excellent opportunity for comfortable, low-maintenance living!

948 S Alma School Road Unit 136, Mesa
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