Phoenix Homes with FHA New Financing

Welcome to Phoenix, Arizona – a vibrant city that beautifully marries the allure of desert landscapes with the excitement of urban living. Nestled in Maricopa County, Phoenix is not just the state capital; it’s a thriving metropolis known for its year-round sunshine, stunning sunsets, and a rich cultural tapestry. With a population that continues to grow, this city offers a unique blend of outdoor adventures, art, and culinary delights, making it an ideal place to call home.

For those considering a move to this dynamic city, the housing market in Phoenix is particularly appealing. Homes with FHA new financing options are readily available, making it easier for first-time buyers and those looking to invest in their future to find their dream home. The FHA (Federal Housing Administration) loans are designed to help individuals and families secure financing with lower down payments and more flexible credit requirements, making homeownership accessible to a broader audience.

Whether you’re drawn to the charming bungalows in historic neighborhoods, the modern condos downtown, or the sprawling family homes in the suburbs, Phoenix’s diverse real estate landscape ensures there’s something for everyone. With the added benefit of FHA financing, you can explore a variety of options that fit your budget and lifestyle.

Experience the best of both worlds in Phoenix – a city that offers a warm, welcoming community and a wealth of opportunities. Your dream home awaits in this sun-soaked oasis!

Newest Phoenix Homes with FHA New Financing

$1,249,999

4 Beds ⋅ 2 Baths ⋅ 7084661 MLS ⋅ 2,220 SqFt.

Move-in ready in Lower Arcadia with the kind of outdoor space that is hard to duplicate. Set on an oversized corner lot of nearly 12,000 sq ft with no HOA, this Kachina Estates home feels open, inviting and incredibly usable from front to back. The covered front patio creates a true outdoor living space overlooking a large grassy front yard with plenty of room to play, gather or simply enjoy the neighborhood. Inside, bright living spaces, French oak flooring and an updated white kitchen with quartz countertops and stainless appliances give the home a clean, comfortable feel, while a flexible 4th bedroom/office/bonus room adds valuable extra space. Out back, another expansive lawn, mature landscaping, paver patios and a sparkling pool create an ideal setup for entertaining, relaxing and enjoying Arizona living year-round. The corner lot adds breathing room and gives the property a sense of space that is increasingly difficult to find in Lower Arcadia. A permitted 2-car garage provides valuable parking and storage, while a newer roof, updated doors, trim, paint and thoughtfully improved landscaping make this a home you can move into and enjoy immediately. Just minutes from O.H.S.O., Doughbird, JT's and some of the best dining, shopping and neighborhood spots in Arcadia, this one combines location, lot size and everyday livability in a way that is hard to find.

5038 E Osborn Road, Phoenix

$655,000

4 Beds ⋅ 7 Baths ⋅ 7084656 MLS ⋅ 2,610 SqFt.

Corner lot in a gated community with 4 bedrooms and 3 bathrooms in Paradise Valley School District! Home features tile flooring throughout with carpet upstairs. The Great room is perfect for entertaining guests! stunning eat in kitchen has stainless steel appliances, a pantry and an island. Upstairs, the spacious loft is perfect for a game room or office! Each of the bedrooms are sizable, with primary bedroom featuring a private en suite with dual sinks, luxury walk in shower and sizable walk in closet. Home is equipped with water softener and Reverse osmosis system. Backyard is private and paved throughout with built in garden.

944 E Anderson Avenue, Phoenix

$430,000

2 Beds ⋅ 2 Baths ⋅ 7084652 MLS ⋅ 1,121 SqFt.

Experience elevated urban living at the highly sought-after Optima Biltmore, where contemporary design, exceptional amenities, and a premier Biltmore location come together beautifully. Perched on the 9th floor, this rarely available corner residence offers 2 bedrooms, 2 bathrooms, an open-concept layout, and dramatic floor-to-ceiling windows showcasing breathtaking mountain, city, and evening light views.Thoughtfully updated and move-in ready, the home features gorgeous wood flooring, fresh designer paint, and an abundance of natural light. The stylish kitchen is designed for both everyday living and entertaining, complete with granite slab countertops, stainless steel appliances, a gas cooktop, contemporary cabinetry, glass tile backsplash, pantry, and under-cabinet lighting. Recent enhancements also include updated lighting, faucets, and bathroom fixtures.The spacious primary suite provides a relaxing retreat with a generous walk-in closet, while the comfortably sized guest bedroom offers flexibility for visitors, a home office, or additional living space. Step outside onto your private balcony and take in the impressive surroundings--perfect for morning coffee, sunset cocktails, or unwinding beneath the city lights. Additional conveniences include a stacked front-loading washer and dryer, one assigned parking space, and a private storage cage.Residents of Optima Biltmore enjoy an impressive collection of resort-inspired amenities, including a spectacular rooftop garden with panoramic Valley views, a 24-hour fitness center with locker rooms and sauna, picnic and BBQ areas, clubhouse, conference room, business center, Wi-Fi-enabled common areas, secure underground parking, and on-site concierge service.Ideally situated at 24th Street and Camelback Road in the heart of the prestigious Biltmore Fashion District, this exceptional residence places some of Phoenix's finest dining, shopping, entertainment, and everyday conveniences just moments from your door. With convenient access to Downtown Phoenix, Scottsdale, and Sky Harbor International Airport, this is sophisticated urban living in one of the Valley's most desirable locations. Welcome to Optima Biltmore--where luxury, lifestyle, and location meet.

4808 N 24th Street Unit 905, Phoenix

$465,000

4 Beds ⋅ 2 Baths ⋅ 7084610 MLS ⋅ 1,531 SqFt.

LOCATION, LOCATION, LOCATION! Welcome to this well-maintained 4-bedroom, 2-bathroom ranch-style home in a highly desirable Phoenix area near Paradise Valley. Situated on an expansive 8,534 sq. ft. lot, this 1,531 sq. ft. home offers a functional layout, bonus/added room, 2-car garage, and plenty of potential to make it your own. The backyard is a true highlight, featuring guava, guamuchil, pine, moringa, and bay laurel trees, creating a lush and private outdoor setting. Perfect for a first-time home buyer or investor looking for remodeling potential in a sought-after location. Bring your vision and make this Phoenix gem your own! Hurry! A deal like this won't last long!

3458 E Shaw Butte Drive, Phoenix

$270,000

3 Beds ⋅ 2 Baths ⋅ 7084598 MLS ⋅ 1,512 SqFt.

Great opportunity for an owner-occupant or rental property! This 3-bedroom, 2-bath townhome with a 2-car garage is quietly tucked within the community for added privacy. Desirable end-unit location near the community pool and a large common area. The spacious great room opens to the kitchen. Two bedrooms and a guest bath are downstairs, including one bedroom with direct access to a private courtyard and covered patio. Upstairs features the primary suite with a walk-in closet and private bath, plus a versatile loft. Conveniently located near I-17, ASU West, shopping, dining, and more.

13822 N 41st Court, Phoenix

$625,000

3 Beds ⋅ 2 Baths ⋅ 7084591 MLS ⋅ 1,882 SqFt.

Look no further! This lovely home with Pool in Phoenix is the one! Nestled on a desirable corner lot, featuring 3 beds, 2 baths, 2-car garage, RV gate & parking, a desert landscape, great curb appeal, and a welcoming front porch. Inside, you'll find vaulted ceilings, abundant natural light, wood-look & tile floors t/out, and a spacious living area. Further in, the family room is highlighted by a brick-accent wall and fireplace w/raised hearth and wood mantel, built-in wood shelving, all while flowing seamlessly to the eat-in kitchen. The impressive kitchen boasts recessed lighting, white cabinetry w/crown molding, granite countertops, SS appliances, and a peninsula w/breakfast bar. The perfectly sized main bedroom includes a private bath w/vanity seating and a glass-enclosed tiled shower. The secondary bedrooms are outfitted with a built-in desk and can be a home office. Outside, your private oasis is complete with a covered patio, separate seating areas, and a sparkling pool, perfect for year-round entertaining. Move-in ready!

14022 N 47th Street, Phoenix

$625,000

3 Beds ⋅ 2 Baths ⋅ 7084560 MLS ⋅ 1,901 SqFt.

This charming property in North Phoenix is the one! Hiking trails out your front door and mountain views you will fall in love with this great home. NO HOA 3-car garage, and an inviting front porch. Inside, you'll find tons of natural light, vaulted ceilings, plantation shutters, and a generous living space with a 2-way fireplace w/raised hearth & tile surround, and a wet bar. Further in, enjoy a formal dining area w/bay window and an eat-in kitchen boasting plenty of cabinets & granite counter space, breakfast nook, and a peninsula with a breakfast bar. The primary bedroom is highlighted by a cozy fireplace, and includes direct patio access, and a private bath w/dual vanities, a glass-enclosed tile shower, and a walk-in closet. Shopping, golf courses, great schools, are all nearby

1101 E Braeburn Drive, Phoenix

$635,000

4 Beds ⋅ 4 Baths ⋅ 7084549 MLS ⋅ 2,460 SqFt.

This charming 2-story home in the Sunset North Community is move-in ready! Featuring 4 beds, 3 baths + powder room, and a 2-car garage. Inside, high ceilings, tons of natural light, and an open floor plan create an inviting atmosphere. The living area is highlighted by a fireplace w/floor-to-ceiling textured tile, a raised hearth & an extended wood mantel. A grid accent wall adds character to the formal dining area. The eat-in kitchen boasts recessed lighting, crisp white shaker cabinets w/crown molding, quartz countertops, SS appliances, and a subway tile backsplash. Upstairs, the main bedroom offers soft carpet, direct balcony access, a private bath with a barn-door entry, and a walk-in closet. Outside, a covered patio provides space for relaxing and entertaining.

658 W Port Au Prince Lane, Phoenix

$549,000

5 Beds ⋅ 3 Baths ⋅ 7084524 MLS ⋅ 3,193 SqFt.

Welcome to 515 W Melody Dr, a spacious South Mountain area home offering nearly 3,200 sq ft of comfortable living space. Situated on a quiet cul-de-sac, this 5-bedroom, 3-bathroom home offers a large open floor plan with generous living areas, beautiful hardwood floors, and a large kitchen with room for cooking, gathering, and entertaining. Step outside to your own private backyard oasis, complete with a pool and spa, perfect for relaxing or enjoying Arizona's year-round sunshine. This gated community, offers convenient access to the scenic South Mountain Preserve, where residents can enjoy hiking, biking, and outdoor recreation. Shopping, dining, entertainment, and everyday amenities are all nearby, while easy access to I-10 and I-17 makes for an easy commute

515 W Melody Drive, Phoenix

$355,000

3 Beds ⋅ 2 Baths ⋅ 7084523 MLS ⋅ 1,765 SqFt.

Fantastic opportunity to own this charming single-level home in Phoenix! Offering 3 beds, 2 baths, and a 2-car garage. The interior features tons of natural light, a neutral palette, and tile flooring in all the right places. Functional floor plan showcasing a welcoming living room, separate family room w/fireplace, and a formal dining room w/sliding doors to the back. The kitchen boasts built-in appliances w/SS elec range, granite tile counters & backsplash, ample wood cabinets, and a peninsula w/breakfast bar. The main bedroom has a walk-in closet and a private bathroom for added comfort. Laundry room with a sink & storage closet. Check out the spacious backyard, providing an extended covered patio! With your creative ideas, you can make it a complete outdoor living space. Move-in ready!

4121 W Puget Avenue, Phoenix

$499,000

4 Beds ⋅ 2 Baths ⋅ 7084522 MLS ⋅ 1,846 SqFt.

Welcome to this beautifully transformed 4-bedroom, 2-bathroom home offering 1,846 sq. ft. of thoughtfully updated living space. From the brand-new roof and HVAC system to the renovated kitchen, bathrooms, flooring, windows, pool, and landscaping, this home has been extensively upgraded throughout! The stunning redone kitchen features modern green cabinetry with quartz countertops, and all new stainless steel appliances. Both bathrooms have been completely remodeled. The primary bedroom features luxury vinyl flooring, an enlarged walk-in closet, and new French doors. Bedrooms 2-4 offer upgraded carpet, brand-new double-pane windows, and new doors. Outside, the improvements continue with fresh exterior paint, both the front and back-yard have been refreshed with desert landscaping, grav and plants. The swimming pool has been professionally resurfaced with a new pebble-finish surface, the pool deck has been expanded and completely resurfaced.The garage has also been updated with a brand-new garage door, fresh paint, and new lighting. With extensive improvements inside and out, this move-in-ready home combines modern finishes, functional upgrades, and inviting indoor-outdoor living. Let's make this one yours today!

3008 W Gail Road, Phoenix

$600,000

3 Beds ⋅ 2 Baths ⋅ 7084517 MLS ⋅ 1,863 SqFt.

STUNNING...COMPLETE REMODEL FRONT TO BACK!!! VERY DESIRABLE PRIME CENTRAL CORRIDOR CLOSE TO SHOPPING, BUSES, DOWNTOWN, AIRPORT...ETC... ALL THE BIG STUFF AND MORE HAS BEEN DONE TO THIS HOME...ALL NEW A/C, DUCTS, ELECTRICAL BOX, & SEWER. RAISED CEILINGS, INTERIOR & EXTERIOR DOORS & PAINTED INSIDE & OUT, FLOORING, LIGHTING & PLUMBING FIXTURES, SMOOTH TEXTURED WALLS, APPLIANCES INCLUDING WASHER & DRYER, EV CHARGING PORT IN GARAGE, HUGE OVERSIZED LUSH GREEN YARD & PATIO SPANNING THE ENTIRE BACK OF HOME. NO STONE LEFT UN-TURNED, THIS HOME IS BETTER THAN A NEW HOME. OVER 200K IN IMPROVEMENTS & UPGRADES. CHARMING AND ON A BEAUTIFUL TREE LINED STREET AND DON'T FORGET THE AWARD WINNING MADISON SCHOOL DISTRICT & SUNNYSLOPE HIGH SCHOOL. THIS IS A MUST SEE!!! COMPLETE UPGRADE LIST IN THE DOCS TAB.

1650 W Loma Lane, Phoenix

Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.