Arizona - Government Backed Loans

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Founded in 2002, the Arizona Department of Housing is the authority in the region and is able to issue Multi-Family Revenue Bonds for rental projects, low interest Single-Family Mortgage Revenue Bonds for first-time home buyers' primary financing and Mortgage Credit Certificates to help provide additional income for first-time home buyers through tax credits.

Refinance Programs

Mortgage Credit Certificate - MCC

A Mortgage Credit Certificate is a Federal income tax benefit administered by the Federal government to assist first-time, low- to moderate-income homebuyers. The MCC reduces the homebuyer's income taxes, thereby making additional funds available in order to meet monthly mortgage payments.

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Purchase Programs

Mortgage Revenue Bond - MRB

The Mortgage Revenue Bond program offers single-family homebuyers 30-year, fixed-rate mortgages to first-time homebuyers within the state of Arizona. Issued by the Arizona Housing Finance Authority, or AzHFA, a MRB may also be combined with the Homes for Arizonans Down Payment and Closing Cost Assistance program.

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Down Payment Assistance Program

One of the biggest obstacles that lie in the path toward homeownership for first-time homebuyers is the initial downpayment required. Homes for Arizonans has created the Down Payment Assistance Program in order to assist first-time homebuyers in achieving homeownership.

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