Surprise Homes with Conventional New Financing

Surprise Homes with Conventional New Financing

Welcome to Surprise, Arizona—a vibrant city nestled in the heart of Maricopa County, where the sun shines bright and the spirit of community thrives. Known for its warm climate and friendly atmosphere, Surprise offers a unique blend of suburban charm and modern amenities. Whether you're a first-time homebuyer or looking to settle down in a family-friendly environment, this dynamic city has something for everyone.

Surprise is home to a diverse population and boasts a variety of recreational opportunities, including beautiful parks, golf courses, and a bustling downtown area filled with shops and restaurants. The city is also known for its excellent school districts and access to healthcare facilities, making it an ideal location for families and retirees alike. With an array of community events and festivals throughout the year, residents can easily connect and build lasting relationships.

For those considering making Surprise their home, you'll be pleased to know that there are numerous options for homes with conventional new financing available. This financing option makes it easier for buyers to secure their dream home without the complexities often associated with other financing methods. Whether you’re looking for a cozy single-family home or a spacious property with room to grow, Surprise has a variety of listings that cater to different lifestyles and budgets.

With its welcoming community, beautiful landscapes, and convenient access to major highways, Surprise, AZ is not just a place to live—it's a place to thrive. Explore the possibilities and discover your new home in this delightful city!

Newest Surprise Homes with Conventional New Financing

$694,490
4 Beds ⋅ 3 Baths ⋅ 7084089 MLS ⋅ 2,836 SqFt.
Seller will provide a credit towards a rate buydown and closing costs with preferred lender. Ask us how to save thousands over the life of your loan. Asante Artisan is a master-planned community in Surprise, AZ surrounded by mountain views. Residents at this community enjoy convenient access to local shopping, dining, and recreational activities as well as resort-style amenities including a clubhouse, pool, lap pool, fitness center, pickleball courts, and more! This home comes fully equipped with all brand-new stainless steel kitchen appliances and is complete with 12X24 tile flooring, stunning quartz countertops, and maple almond cabinetry, designed for both comfort and function. Photos are not of actual home. A copy of the public report is available on the ADRE's website

25817 N 174th Drive, Surprise
$250,000
2 Beds ⋅ 2 Baths ⋅ 7084085 MLS ⋅ 1,152 SqFt.
Updated 2-Bedroom Home with a Fantastic Outdoor Retreat. This updated 2-bedroom, 2-bath mobile home in Happy Trails offers comfortable living with several desirable updates, including a brand-new roof installed in September 2026 and granite countertops. The home also features a screened-in porch and covered patio, creating a comfortable spot to relax and enjoy the outdoors. A nice-sized storage area provides extra room for your belongings, while the inviting outdoor space is perfect for enjoying the community lifestyle. Whether you're looking for a great vacation getaway or a full-time residence, this home offers flexibility and convenience. The home is preferably sold furnished, though furnishings are not required to be included. Come take a look at all this home has to offer!

17200 W Bell Road Unit 1625, Surprise
$574,900
3 Beds ⋅ 3 Baths ⋅ 7084064 MLS ⋅ 2,473 SqFt.
Welcome to this oversized corner lot built for RV living! Features an 18-ft tall pass-through RV garage with RV hookup, RV dump/clean-out, RV gate & added concrete at the rear garage opening. Backyard offers turf, pavers, rock landscaping & fenced turf dog run. Inside, enjoy an oversized kitchen island with storage, upgraded cabinetry, granite countertops in kitchen & baths, pendant & recessed lighting. Living room pop-out features an electric fireplace and is wired for surround sound along with the upstairs flex space. Ceiling fans in all rooms, under-stair closet lighting, added patio electrical & solar complete this upgraded home. Plenty of space, storage & functionality inside and out!

18496 W Williams Road, Surprise
$395,000
3 Beds ⋅ 2 Baths ⋅ 7083819 MLS ⋅ 1,388 SqFt.
Step into this beautifully upgraded 2025 new construction home offering 3 bedrooms, 2 bathrooms, and 1,388 sq. ft. of thoughtfully designed single-level living. The open-concept floor plan is enhanced by stylish finishes throughout, including white shaker cabinetry, sleek granite countertops, wood-look tile flooring, and designer accent wall panels in the living room and bedroom that add a custom, elevated touch. The kitchen flows seamlessly into the dining and living spaces, creating an inviting layout ideal for both everyday living and entertaining. Step outside to a beautifully finished, low-maintenance backyard with artificial turf, designed for easy Arizona living with minimal upkeep. Enjoy resort-style community amenities including a community pool, dog park,pickleball courts and walking trial, parks giving you plenty of ways to relax, stay active, and enjoy the outdoors. With its modern upgrades, designer details, landscaped backyard, and desirable community amenities, this move-in-ready home offers the perfect combination of style, comfort, and convenience. Why wait for new construction when this beautifully finished home is ready for you now?

17277 W Daley Lane, Surprise
$430,000
3 Beds ⋅ 2 Baths ⋅ 7083781 MLS ⋅ 2,170 SqFt.
Beautiful home with special touches by interior designer. Conveniently located in West Point, corner lot backs to a greenbelt and walking path. Light and bright home has a formal room at the front and a casual kitchen & family room which opens onto the extended tiled and shaded patio with a fan. Turf makes yard work a snap, and grapefruit, orange, and lime trees please the eye and the palate. The kitchen features exotic slab granite and coordinating backsplash in warm neutrals. Appliances are stainless steel GE profile and all stay. Under counter lights and electrical outlets. Air conditioner replaced 2025. Primary suite is split from the other bedrooms and features a walk-in closet, separate shower and tub, and enclosed water closet. Rare three car garage. This is the one!

16251 N Durbin Drive, Surprise
$979,000
2 Beds ⋅ 3 Baths ⋅ 7083764 MLS ⋅ 2,352 SqFt.
Welcome to resort-style luxury in the award-winning master-planned community of Sterling Grove Golf & Country Club. This exceptional home boasts a thoughtful split floor plan with premium upgrades throughout, seamlessly blending sophistication with comfortable everyday living. The sun-drenched primary bedroom serves as a true sanctuary, complete with an oversized, spa-like primary bathroom designed for ultimate relaxation. Nearby, a versatile den offers the perfect flexible space, easily functioning as a private home office or a spacious third bedroom. At the heart of the home, the open living room frames stunning views of your own private backyard oasis. A magnificent 90-degree living room slider rolls back completely, making the transition to the outdoor living experience ... ... entirely seamless. Designed as an entertainer's delight, the resort-style backyard features an expansive covered back patio, an elegant pergola, a custom built-in BBQ, and a lively bar area--all centered around a sparkling, refreshing pool. Complete with a spacious 3-car garage that offers plenty of built-in storage for your golf gear and vehicles, this turnkey property offers an unparalleled lifestyle in one of the West Valley's most coveted guard-gated communities. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Hone your skills at the driving range, putting and chipping greens, or in the golf simulator. This home has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, bike rides!

17232 W Mountainair Street, Surprise
$495,000
2 Beds ⋅ 2 Baths ⋅ 7083741 MLS ⋅ 1,870 SqFt.
Nicely maintained and furnished Palo Verde model situated on a cul-de-sac lot with a private spool! Enjoy your morning coffee on the spacious, walled front patio. Inside, you'll find a welcoming living room with fireplace, 2 bedrooms, 2 baths, plus an office and a desirable split-bedroom floor plan. The kitchen features stainless steel appliances, laminate counters, and a bright breakfast nook with bay window. The primary suite also offers a bay window and bath with dual sinks. Tile and laminate flooring throughout, plus a large backyard perfect for enjoying the Arizona lifestyle. Come see all that Grand has to offer!

16048 W Eagle Ridge Drive, Surprise
$1,324,000
3 Beds ⋅ 3 Baths ⋅ 7083699 MLS ⋅ 2,560 SqFt.
Welcome to your ultimate desert oasis in the prestigious Sterling Grove Golf & Country Club. This highly upgraded, expanded Skybrook model offers an unparalleled blend of luxury, functionality, and seamless indoor-outdoor living. Designed with a rare zero-step transition, the custom interior tile flows effortlessly through two massive sliding doors--including a striking 90-degree slider in the living room--out onto matching flush exterior patio tile. The split floor plan features three private bedroom suites, including a 3rd suite chosen in lieu of a third garage bay, plus a versatile den complete with elegant French doors that easily serves as an additional sleeping area. High-end custom details abound, from an extensive $30,000 tile upgrade throughout the home to a stunning custom... ... wet bar outfitted with premium cabinets, granite countertops, and a dedicated refrigerator. The backyard is an absolute entertainer's dream, meticulously engineered for comfort and ease. Step out onto the flush covered patio extension, where monsoon-rated patio shades and an extended covered deck provide custom shade on warm days. The pristine 12x28 pool features a lounging ledge, ambient deck jets, and a state-of-the-art electric heat pump capable of both heating and cooling the water for year-round enjoyment. Surrounded by high-quality turf and cool-touch pavers that stay comfortable underfoot, the outdoor space also boasts a relaxing hot tub. The entire system is effortlessly managed via Hayward pool automation using a smartphone app. Technological innovation and structural efficiency are at the core of this smart home. Built with energy-saving spray foam insulation in the walls, the property features a fully integrated Lutron smart home system with a SmartThings app controlling dimmers on most fixtures. Entertainment is ready-made with beautifully mounted Samsung Frame TVs and an accompanying soundbar. Practicality matches the luxury, highlighted by an expanded garage depth (extended by 2 feet) equipped with a 30-amp dedicated circuit for an EV charger. Inside, an Aquasana whole-home water filter and conditioner ensures pristine water quality, while a thoughtful layout modification adds a direct doorway connecting the master closet straight to the laundry room. This is a rare opportunity to own a masterfully customized residence in one of the region's premier resort communities. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Hone your skills at the driving range, putting and chipping greens, or in the golf simulator. This home has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, bike rides!

17431 W Guthrie Street, Surprise
$348,000
3 Beds ⋅ 2 Baths ⋅ 7083687 MLS ⋅ 1,520 SqFt.
Beautiful 3 Bedroom, 2 Bath, Single Level Home Located in Litchfield Manor Community, Kitchen w/Appliances Included, Eat-In Kitchen Dining Room, Breakfast Bar, Open Great Room, Master Bedroom w/Walk-In Closet, Master Bathroom w/Dual Sinks & Walk-In Shower, Fresh Interior Paint and New Flooring in 2026, Covered Backyard Patio, Professionally Landscaped Front & Backyard, 2 Car Garage.

15165 N 138th Lane, Surprise
$1,200,000
7083556 MLS
18+ Acres of PAD Zoning in Surprise, ready for Development or buy and hold as the West Valley continues to grow! HEY BUILDER! BNSF employees will need new housing and this location is perfect to develop. PAD zoning allows for may use-types. Get while the gettins' good! Don't let this one get away!

26733 N 235th Avenue Unit Appx., Surprise
$518,163
3 Beds ⋅ 3 Baths ⋅ 7083514 MLS ⋅ 2,236 SqFt.
This fantastic floorplan is located in a single story only community. It offers 2,236 sq ft with 3 bedrooms, a flex room and 2.5 baths. The kitchen and great room area are perfect for entertaining and everyday living offering plenty of light wood cabinets with 42'' uppers & soft close drawers & doors, a large island with quartz counters, SS Whirlpool appliances include a 5 burner cooktop, microwave, built in oven and dishwasher, a large pantry for even more storage! 8' interior doors throughout, ceiling fan prewires in all the bedrooms and great room. The backyard is just under 40'deep! Come see this remarkable home.

17399 W Saguaro Vista Drive, Surprise
$456,830
4 Beds ⋅ 3 Baths ⋅ 7083512 MLS ⋅ 2,109 SqFt.

17800 W Electra Lane, Surprise
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