Flexible credit requirements, low down payments, and Arizona down payment assistance options — ASJ Mortgage Solutions helps first-time and repeat buyers across Peoria, Phoenix, Glendale, Tucson, and all of Arizona get FHA-approved fast. Mortgages made easy.
An FHA loan is a mortgage insured by the Federal Housing Administration that lets Arizona buyers purchase a home with as little as 3.5% down and a credit score as low as 580 (500–579 may qualify with 10% down). Because the government insures the loan, lenders can approve borrowers who wouldn't fit strict conventional guidelines — making FHA the most popular path to homeownership for Arizona first-time buyers.
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No homeownership history required — just a plan. FHA was designed to open the door for first-time buyers, and we walk you through every step in plain language.
Past late payments, collections, or even a bankruptcy don't automatically disqualify you. FHA's flexible credit standards are the most forgiving in mainstream lending.
Rent in Phoenix isn't cheap — saving 20% down can feel impossible. FHA loans and assistance options dramatically lower the cash you need at closing.
Arizona's home prices have grown faster than many buyers' savings. FHA closes that gap — and as a broker, ASJ shops multiple wholesale lenders so a decline at one can be an approval at another.
This is the strategy most Arizona first-time buyers don't know about — and where ASJ adds real value. We actively originate these programs and track their rules so you don't have to.
Arizona's Home Plus program pairs a 30-year fixed FHA loan with down payment and closing cost assistance. It's available in every Arizona county, city, and zip code.
Income limits apply (updated annually — currently in the mid-$150Ks), and one borrower completes a short homebuyer education course before closing. The program is consistently funded year-round, so it doesn't run out mid-year like some assistance programs.
Buying in Phoenix, Peoria, Glendale, Scottsdale, Tempe, Chandler, Gilbert, or anywhere in Maricopa County? Home in Five offers assistance toward down payment and closing costs.
There's an extra boost for teachers, first responders, veterans, and other qualifying heroes.
Most FHA lenders — including the programs we work with — look for:
Answer a few quick questions in our secure survey below — no impact on your plans, big impact on your confidence.
We compare FHA programs across multiple lenders to fit your credit, income, and savings — not the other way around.
Arizona sellers take pre-approved offers seriously. We verify income, credit, and assets so yours stands out.
Most FHA loans close in 30–60 days. We keep you updated at every step, in plain English.
Answer a few quick questions and a local ASJ loan advisor will review your scenario and reach out with real numbers — no obligation, no pressure.
As a broker, we don't push one product. We price FHA against every option you qualify for and show you the side-by-side.
Headquartered in Peoria and trusted across the state, ASJ Mortgage Solutions helps buyers secure FHA home loans throughout the Phoenix metro and beyond — wherever in Arizona you're putting down roots.
★★★★★GS was thorough in the loan process and kept me updated all the way. I got competitive quotes both times he handled my loan. Will definitely work with him again.
★★★★★Very transparent transaction — no hidden costs. The rate I got was the best in the industry at the time. I strongly recommend ASJ to anyone who wants a hassle-free loan with great service.
★★★★★Super responsive and answered all my questions. The process was simple, I completed my paperwork online, and he communicated with me every step of the way.
Get pre-qualified for an Arizona FHA loan and see which down payment assistance programs you're eligible for — Home Plus statewide or Home in Five in Maricopa County. No pressure, no obligation, no impact on your credit to start.
Take the 2-Minute Pre-Qualification Survey Or call us: +1 480-376-7355