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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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USDA Loans Arizona

Did you know you can buy a home with no money down with a USDA Loan in Arizona? Many people have heard of the FHA and VA loan programs but are not aware of a third “government loan program” that is available to Arizona home buyers.

"The USDA home loan program is a great program for people looking to buy a home in Arizona with little to no money down.

True to their name, USDA loans were created to help potential low- to moderate-income homeowners in rural areas. This includes many areas on the outskirts of some of Arizona’s larger cities where many of the most affordable homes are located.

Arizona USDA loans are intended to help people living in Arizona’s rural communities to achieve home ownership. They are a popular loan with recent college graduates, newly formed households, low-to-moderate income earners, first time home buyers and those who have had past credit challenges.

USDA Loans Arizona Closing Cost Assistance

An Arizona USDA 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 USDA 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.

The following are Arizona USDA Loan Highlights:

  • No down payment requirement
  • Competitive interest rates.
  • Can be combined with Arizona down payment grants to cover your closing costs.
  • No first time homebuyer restrictions.
  • Flexible underwriting guidelines make it easier to qualify than other Arizona loan programs.
  • No minimum cash contribution requirement
  • Seller concessions and 100% gifting is allowed

With a USDA home loan in Arizona, you can purchase a home with no money of your own into the transaction.

USDA Home Plus Loan Program

As mentioned, Arizona USDA loans are a great government loan program that 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 USDA 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%
  • Maximum income of $105,291

Who Can Buy a Home in Arizona with a USDA Loan?

Anybody who plans to occupy a home located in an eligible rural area in Arizona as their primary residence may qualify for a USDA loan. Eligibility is based on the homes location. USDA offers the ability to see if a property is eligible for USDA financing here.

Waiting Periods – USDA Loans Arizona

The following are the standard USDA waiting periods for the major derogatory credit events.

  • Arizona USDA home loan after bankruptcy: The waiting period for getting an USDA loan after a chapter 7 bankruptcy is 3 years. The waiting period for getting an USDA loan after a chapter 13 bankruptcy is 1 year.
  • Arizona USDA home loan after foreclosure: The waiting period for getting an USDA loan after a foreclosure is 3 years after the foreclosure.
  • Arizona USDA home loan after short sale: The waiting period for getting an USDA loan after a short sale is typically 3 years.

FHA | VA | CONVENTIONAL

HOMES WE CAN HELP YOU FINANCE

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
1245 W 1st Street Unit 219, Tempe
$315,000
2 Beds ⋅ 2 Baths ⋅ 7094888 MLS ⋅ 897 SqFt.
Discover exceptional value in the heart of Tempe! This updated, move-in-ready 2BR/2BA offers a modern feel and unbeatable convenience just minutes from ASU, major freeways, shopping, dining, and entertainment. Fresh paint, brand-new luxury vinyl plank flooring, and a stylish kitchen featuring quartz countertops, light oak cabinetry, stainless steel appliances, and an oversized island create a welcoming, contemporary space. The unique open-concept layout, private staircase, and personal front patio set this unit apart, offering added privacy and a more home-like feel. An excellent opportunity for all buyers including first-time buyers, ASU students and parents, or investors seeking a property with promising short-term rental potential. Enjoy the Tempe lifestyle at an attractive value!

1245 W 1st Street Unit 219, Tempe
4915 S Terrace Road, Tempe
$350,000
3 Beds ⋅ 3 Baths ⋅ 7094781 MLS ⋅ 1,452 SqFt.
DISCOVER THE PERFECT BLEND OF STYLE, COMFORT AND EXCEPTIONAL TEMPE LIVING! This beautiful 3 bedroom, 3 bath townhome offers 1,452 SF of living space in a desirable Tempe community! NEW interior paint, attractive wood-look flooring and abundant natural light create a warm and welcoming atmosphere. The nicely-appointed kitchen features granite countertops, stainless steel appliances and rich maple cabinetry opening to the spacious living and dining areas. Tastefully updated bathrooms showcase travertine flooring, shower and tub surrounds and granite countertops. Upstairs, you'll find three generously sized bedrooms including a lovely primary suite with a stylish private bath creating a comfortable retreat. A standout feature in the family room is the oversized impressive window framing picturesque views of the grassy common area and sparkling community pool bringing the beauty of the outdoors into your living space. Step outside to your own private backyard retreat featuring a covered patio and low-maintenance artificial turf--perfect for relaxing and entertaining. Ideally located near ASU, Downtown Tempe's vibrant Mill Avenue District, popular restaurants, shopping and entertainment with convenient access to the US-60, I-10 and Loop 101. Experience the best of Tempe living with stylish interiors, inviting outdoor spaces, wonderful community amenities and an unbeatable location. THIS IS ONE YOU WON'T WANT TO MISS!

4915 S Terrace Road, Tempe
939 N Revere Street, Mesa
$250,000
2 Beds ⋅ 2 Baths ⋅ 7094761 MLS ⋅ 1,215 SqFt.
Location, convenience, and easy Arizona living come together in this charming 2-bedroom, 2-bathroom Mesa townhome! Featuring a functional layout, spacious family room, galley-style kitchen, and private courtyard-style backyard with low-maintenance artificial turf, this home offers comfort and convenience. Additional highlights include direct carport parking, detached storage, a new electrical panel, and a water heater replaced in 2022. The HOA covers water, sewer, garbage, and roof repairs, adding to the ease of ownership. Ideally located near Mesa Riverview, Tempe Marketplace, Sloan Park, and Riverview Park, with convenient access to Loops 101 and 202, ASU, shopping, dining, and entertainment. Whether you're seeking a primary residence or seasonal retreat, this townhome offers a wonderful opportunity to enjoy the East Valley lifestyle!

939 N Revere Street, Mesa
684 Leisure World --, Mesa
$300,000
2 Beds ⋅ 1 Baths ⋅ 7094583 MLS ⋅ 928 SqFt.
Enjoy relaxed living in Leisure World with endless activities for your kick back retirement golden years in this adorable two-bedroom, one-bath home in a thriving 55+ with guard-gated community. This home boasts soaring rough-hewn ceilings bringing warmth and character to the inviting interior, while the upscale remodeled bathroom features a sleek, low-profile glass shower with a modern flair! An expansive back deck overlooks the water and fountain, where ducks and birds add a peaceful touch of nature. The home also includes a private East facing front Patio to sip coffee and watch the sun rise with oversized one-car garage with a separate entrance and an attractive epoxy floor. A charming home with distinctive details and a lovely view allows you to enjoy PEACEFUL Living!

684 Leisure World --, Mesa
913 N Cherry Lane, Mesa
$274,000
3 Beds ⋅ 2 Baths ⋅ 7094508 MLS ⋅ 1,188 SqFt.
HIGHLY DESIRABLE SINGLE STORY END UNIT IN COLONIAL MANOR COMMUNITY! 3 BEDROOM/2 BATH HOME, offering plenty of room for the entire family. Expansive open floor plan, complemented by an open concept kitchen with a long island, creating an inviting atmosphere. Fresh paint, new carpet, remodeled bathrooms! New stove and microwave to match the stainless appliances. Step outside to a private enclosed patio, perfect for entertaining. 2 covered assigned parking spaces just outside your patio. Don't miss the opportunity to make this delightful home yours, nestled within a peaceful and highly sought-after community and just a short walk to the pool! Owners love it here and rarely leave! VA and FHA Approved Community! DOWNPAYMENT ASSISTANCE AVAILABLE, ASK LISTING AGENT FOR DETAILS.

913 N Cherry Lane, Mesa
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