Down Payment Assistance-Arizona

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 Down Payment Assistance-Arizona 

Down Payment Assistance Programs for 2019 are available through some government programs and non-profits organizations in Arizona. If you’re a someone missing a down payment or don’t want to wipe out your savings, these programs are designed to assist. There are multiple programs that a person could qualify for to buy a home. To get approved, you need to check your eligibility on what program works for you. Non- profits and the Government Down Payment Programs do not work with you directly.

FHA Down Payment Assitance  

FHA loans are more forgiving to prior credit issues than a conventional loan “Fannie and Freddie Mortgages”. Some programs offer both types of loans, although usually, you will have a lower monthly payment with an FHA down payment assistance program. We will show you how to structure the down payment assistance with the right home loan program.

Eligibility For The First Time Buyer Program

If you have not owned a home in the last 3 years, you are considered a first-time home buyer. First time home buyers are able to take advantage of down payment assistance programs. In fact, these grants are designed to assist people in purchasing a home that they would not be able to buy, because of not having a down payment. 

Why The Government Offers Down Payment Assistance? 

A Down Payment is one of the largest factors that prohibit people from buying a home. Upwards of 25% percent of all jobs are tied to the housing market for employment. The government knows that Homeownership builds more stable communities, better employees and provides a stable environment to raise children that do better in school. Our government leaders understand the effects of homeownership and promote these programs as such.

How much of a down payment can I receive?

The amount of the down payment assistance grant/gift can vary from county to county in Arizona. The programs give up to 100% of the down payment needed to buy a home. The amount is determined by the price of the home. Check your eligibility today and find out how much you will get! 

Funds for Down Payment Assistance Programs 

Funds were still available as of Saturday 06/15/2019 for the Down Payment Grant Programs in Arizona. If you would like to know all of the criteria, Check Your Eligibility complete the form below for a no-cost evaluation. 

Check Eligibility for Down Payment Assistance

For Your County!

No cost to apply, but when down payment assistance funds run out, some programs end for the year. So apply early, It’s a No cost pre-approval program, so there are usually a large number of applicants.

Big Banks Don’t Offer This?

The Big Banks do not provide down payment assistance loan products because they are considered high risk. They consider it a high risk when a buyer has no financial investment in the home purchase (no skin in the game). Banks will always ask you for a down payment based on a percentage of the purchase price. This is another reason to use us as “Your approved lender” by the program. The Grant program regulates these lenders on what fees and rates they can charge. Typically the big banks won’t let anyone regulate what they can make on a loan. The programs and lenders that we work with DO NOT require that you make a down payment. Your down payment is covered through grants set aside by the local Non-Profits and Government.

Frequently asked: 

Below are some of the frequently asked questions regarding the Grant Down Payment Assistance Programs. If you have a specific needs that don’t fit in the box below or you have additional questions, you’ll want to connect with one of our advisors at 480-447-0000. You have the option of submitting the online form and once it is completed, someone will reach out to you.

  1. There are multiple down payment programs available, giving us more ways to get you approved.
  2. There is no cost to you to get approved with the program.
  3. Less than perfect credit can qualify. 580 Credit Min.
  4. Programs to qualify borrowers in different incomes ranges. No Income Cap
  5. Must be used to purchase a primary residence in Arizona.
  6. Typical closing happens in approximately 30 days.
  7. Not a hard money loan or a private money loan.
  8. First time home buyers benefits are available.
  9. All situations considered.

We have programs for : Maricopa County, Pinal County, Pima County, Yavapai County, Coconino County, Mohave County, Gila County, Cochise County, LaPaz County, Yuma County, Navajo County, Apache County, Graham County, Santa Cruz

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Check Eligibility for Down Payment Assistance

For Your County!

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*The Product/Program information contained here is educational only and not a commitment to Lend available loan programs are subject to change without notice.  Eligible Products – Purchase in Arizona Other conditions and restrictions may apply.

Contact your Agent for more information.

Ryan Harris | 480-370-0851 | | SA679637000 | | 7702 E Doubletree Ranch Rd. Suite 300, Scottsdale, AZ 85258