In 2022 we were all negatively affected by a series of unexpected events. Record inflation led the U.S. Treasury to increase interest rates at an unprecedented pace. In 2022, mortgage interest rates more than doubled over the course of that year.  This aggressive increase caused investors to reduce their participation in the mortgage-backed securities (MBS) market. This is the national capital market where we raise resources that are used to fund and support the HOME Plus Down Payment Assistance Program. The reduced participation has negatively impacted our ability to consistently provide availability for our Arizona IDA Home Plus DPA complete portfolio of products.

Conditions can change on a day-to-day basis and therefore, the lender / loan officer you work with can provide greater insight, including which Arizona IDA HOME Plus DPA offerings are available during these challenging times. To find a lender near you and discuss options, please click on the Find-A-Lender link.

We appreciate your understanding during these times and hope that we can offer a DPA solution that works best for you.

 

Dirk Swift
Program Administrator

 
 
*Updates and terms may change without notice. Please consult with your lender for the most updated product information.

BORROWER(S) MAXIMUM INCOME LIMIT HAS BEEN RAISED TO $122,100.00 (effective July 1, 2022)

NEW VIDEO SECTION
LENDER PORTAL

Arizona HomeBuyer Down Payment Assistance

Available in Every County, City, Zip Code in Arizona!

Home Plus Logo
Arizona IDA Logo
Home Plus Arizona - Logo

Offering Arizona Home Buyers Down Payment and Closing Costs Assistance

Home Plus Arizona - Home Buyer Down Payment Assistance

Offering Arizona Home Buyers
Down Payment and Closing Costs Assistance

HOME+PLUS

Home Buyer Resources

To help you better prepare for buying your new home, HOME+PLUS has put together a list of resources and information from local, state, and national organizations.

HOME+PLUS

 Home Buyer Resources

To help you better prepare for buying your new home, HOME+PLUS has put together a list of resources and information from local, state, and national organizations.

HOME+PLUS

Home Buyer Resources

To help you better prepare for buying your new home, HOME+PLUS has put together a list of resources and information from local, state, and national organizations.
Home Plus Couple's New Home

HOME+PLUS

Program Lenders

Participating Lender Search
find a participating lender near you

Click Here

(opens in new browser window)

DOCUMENT RESOURCES

10 Common
DPA Program
Myths Debunked

Click Here

(opens in new browser window)

Reduced
Mortgage Insurance
Premiums

Click Here

(opens in new browser window)

Pre-Purchase
Home Buyer
Education Certification

Click Here

(opens in new browser window)

CREDIT RESOURCES*

Know Your Credit Score

  • Get your free annual credit report from AnnualCreditReport.com. Links to the 3 major bureaus: Equifax, TransUnion, and Experian.
  • Links to the 3 major bureaus: Equifax, TransUnion, and Experian.
  • Credit Karma is a free credit monitoring system which shows you your credit information for both Equifax and Transunion. Credit Karma also has a great phone app and shows you updated credit information every few days.
  • Note: Credit reporting agencies offer different products and programs. Please visit each agencies website to learn more and determine what product is best for your needs.
AnnualCreditReport.com
CreditKarma.com
Equifax.com
Experian.com
TransUnion.com

links open in new browser windows

How To Improve Your Credit Score

How To Improve
Your Credit Score

Freddie Mac: Credit Smart. A guide to Better Credit, Money Management, and Responsible Home Ownership

Click Here

links open in new browser windows

DOWN PAYMENT RESOURCES

Is 20% Down Necessary?

A DownPaymentResource.com article talks about the 20% down myth. Titled… “Why You Don’t Need 20% Down to Buy Your Next Home”. This is a must read for any home buyer.

Click Here

(opens in new browser window)

Saving For The Down

“How long does it really take to save for a down payment? Maybe not as long as you think” ​-  helps you understand more about down payment options. A DownPaymentResource.com great read!

Click Here

(opens in new browser window)

ADDITIONAL RESOURCES

Tips For Finding A
Great Real Estate Agent

Here is a great write up by Dana Dratch at BankRate.com titled “7 tips for picking a great real estate agent”.

Click Here

(opens in new browser window)

Buy Now vs. Wait
Calculator From Essent

Here’s a great calculator/tool from Essent. The EssentIQ gives home buyers the information that will be essential to understanding what options are available, including mortgage insurance.

Click Here

(opens in new browser window)

HOME+PLUS
Program Lenders

Participating Lender Search

Click Here

(opens in new browser window)

DOCUMENT RESOURCES

Reduced Mortgage
Insurance Premiums

Click Here

(opens in new browser window)

10 Common DPA Program
Myths Debunked

Click Here

(opens in new browser window)

Pre-Purchase Home Buyer
Education Certification

Click Here

(opens in new browser window)

CREDIT RESOURCES*

Know Your Credit Score

  • Get your free annual credit report from AnnualCreditReport.com. *Offer may change. visit site for latest information.
  • Credit Karma is a free credit monitoring system which shows you your credit information for both Equifax and Trans Union. Credit Karma also has a great phone app and shows you updated credit information every 7 days. *Offer may change. visit site for latest information.
  • Links to the 3 major bureaus: Equifax, Trans Union, and Experian.
  • Note: Credit reporting agencies offer different products and programs. Please visit each agencies website to learn more and determine what product is best for your needs. 
AnnualCreditReport.com
CreditKarma.com
Equifax.com
Experian.com
TransUnion.com

links open in new browser windows

How To Improve Your Credit Score

Freddie Mac: Credit Smart. A guide to Better Credit,
Money Management, and Responsible Home Ownership

Click Here

links open in new browser windows

DOWN PAYMENT RESOURCES

Is 20% Down Necessary?

A DownPaymentResource.com article talks about the 20% down myth. Titled… “Why You Don’t Need 20% Down to Buy Your Next Home”. This is a must read for any home buyer.

Click Here

(opens in new browser window)

Saving For The Down

“How long does it really take to save for a down payment? Maybe not as long as you think” ​-  helps you understand more about down payment options. A DownPaymentResource.com great read!

Click Here

(opens in new browser window)

ADDITIONAL RESOURCES

Tips For Finding A
Great Real Estate Agent

Here is a great write up by Dana Dratch at BankRate.com titled “7 tips for picking a great real estate agent”.

Click Here

(opens in new browser window)

Buy Now vs. Wait
Calculator from Essent

Here’s a great calculator/tool from Essent. The EssentIQ gives home buyers the information that will be essential to understanding what options are available, including mortgage insurance.

Click Here

(opens in new browser window)

Home Plus Couple's New Home

Program Information

What to do now… click below to learn more about HOME+PLUS credit score requirements, program guidelines, first mortgage types offered.
Click here

Frequently Asked Questions

We have put together a list of questions and answers to help you better understand the HOME+PLUS home buyer assistance program.
Click here

Home Buyer
Resources

Home Plus
Program Funding

The program is a true public / private sector partnership.  We raise funds in the national capital markets and form partnerships with lending institutions to deliver the HOME+PLUS program throughout the State of Arizona.  NO taxpayer funds are used for the HOME+PLUS program.

Program Lender
Product Support

Lenders, below are two links for Home Plus Program product information, marketing materials, and training systems. 

Home Plus Lender Support
Home Plus Az.Gov Portal - login req
Home Plus Arizona Logo

Home Buyer
Resources

Home Plus
Program Funding

The program is a true public / private sector partnership.  We raise funds in the national capital markets and form partnerships with lending institutions to deliver the HOME+PLUS program throughout the State of Arizona.  NO taxpayer funds are used for the HOME+PLUS program.

Program Lender
Product Support

Lenders, below are two links for Home Plus Program product information, marketing materials, and training systems. 

Home Plus Lender Support
Home Plus Az.Gov Portal - login req

© 2023 All rights reserved Home Plus and The Arizona Industrial Development Authority. – Privacy Policy – Sitemap
The term “Realtor” is a registered trademark of the NAR – National Association of Realtors.

Website Management

Home Plus
Program Funding

The program is a true public / private sector partnership.  We raise funds in the national capital markets and form partnerships with lending institutions to deliver the HOME+PLUS program throughout the State of Arizona.  NO taxpayer funds are used for the HOME+PLUS program.

Home Buyer
Resources

Home Plus Arizona Logo

Program Lender
Product Support

Lenders, below are two links for Home Plus Program product information, marketing materials, and training systems. 

Home Plus Lender Support
Home Plus Az.Gov Portal - login req

© 2023 All rights reserved Home Plus and The Arizona Industrial Development Authority. – Privacy Policy – Sitemap
The term “Realtor” is a registered trademark of the NAR – National Association of Realtors.

Website Management

en_USEnglish
es_MXEspañol de México fr_CAFrançais du Canada zh_CN简体中文 ja日本語 en_USEnglish

WELCOME

Members and Friends of

Tucson Association of Realtors

Congratulations on
100 Years

Click Here To Receive Program Updates