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

4 Beds ⋅ 3 Baths ⋅ 7061507 MLS ⋅ 2,199 SqFt.

This single-story home in the desirable Ranch Mercado subdivision in Surprise! Featuring 4 bedrooms, 3 baths, and 2,199 square feet of thoughtfully designed living space, this home offers a spacious split floor plan for added privacy. The kitchen features granite countertops and stainless steel appliances, creating a stylish and practical space for everyday living and entertaining. The dedicated laundry room includes a convenient utility sink. With a well-designed single-level layout and desirable features throughout, this home is ready to welcome its next owner.

24580 N 144th Avenue, Surprise

4 Beds ⋅ 3 Baths ⋅ 7061497 MLS ⋅ 3,300 SqFt.

Welcome to this beautifully maintained home in the desirable community of Surprise Farms, offering the perfect combination of space, functionality, and outdoor living. This thoughtfully designed floor plan features multiple living areas, soaring ceilings, and an open-concept layout ideal for both everyday living and entertaining. The spacious kitchen serves as the heart of the home with granite countertops, stainless steel appliances, abundant cabinetry, a breakfast bar, and a seamless connection to the family room. Upstairs, a generous loft provides flexible space for a media room, game room, home office, or play area. The oversized primary suite offers a private retreat complete with an ensuite bath featuring dual vanities, a soaking tub, separate shower, and walk-in closet. Step outside to your own backyard oasis featuring a covered patio, sparkling PebbleTec pool, and low-maintenance landscaping, perfect for relaxing or hosting family and friends year round. A three car garage and RV gate provide plenty of room for vehicles, toys, and additional storage. Conveniently located near parks, schools, shopping, dining, and everyday amenities with easy access to major commuter routes, this move-in ready home offers the space, comfort, and lifestyle today's buyers are looking for.

17940 W Desert Lane, Surprise

1 Beds ⋅ 1 Baths ⋅ 7061476 MLS ⋅ 576 SqFt.

Welcome to The Cliffs at Sunridge condo complex. This lower level 1-bedroom, 1-bathroom unit has recently been updated. It features newer appliances, a combo washer and dryer, and a recently replaced HVAC unit. The complex offers a heated community pool and spa, clubhouse, and an assigned carport space. It has a great location which provides easy access to all that Surprise has to offer, including a variety of shopping, restaurants, and entertainment options. Surprise also boasts a sports complex, parks, a baseball stadium, golf courses and Luke Air Force Base. This versatile unit could serve as your primary home, a second home, or an investment rental property.

12123 W Bell Road Unit 125, Surprise

4 Beds ⋅ 2 Baths ⋅ 7061446 MLS ⋅ 1,571 SqFt.

Welcome to this charming single-level home in the Citrus Point community of Surprise. Offering approximately 1,571 square feet, this thoughtfully designed residence features four bedrooms, two bathrooms, and a desirable split-bedroom floor plan. Vaulted ceilings and abundant natural light create an open, inviting feel. The eat-in kitchen offers generous storage, a pantry, gas range, reverse-osmosis system, and pull-out lower cabinet shelving. The private backyard features mature landscaping, synthetic grass, raised garden beds, and extra concrete space for a spa or storage shed. Additional highlights include a covered patio, two-car garage, tile roof. A/C was replaced in 2024. convenient access to shopping, dining, recreation, and major roadways.

11348 W Pinehollow Drive, Surprise

2 Beds ⋅ 2 Baths ⋅ 7061444 MLS ⋅ 875 SqFt.

Beautiful 2-Bedroom 2-Bath Home with Golf Cart Garage in the 55+ Gated Community of Happy Trails Resort! Enjoy resort-style living with an incredible array of community amenities, including golf, pool, spas, pickleball, tennis, fitness center, RV and vehicle storage, and so much more. This spacious double-wide home has been thoughtfully updated throughout. Recent improvements include luxury vinyl plank flooring (2017), dual-pane windows (2017), sunscreens (2017), Venetian blinds (2017), HVAC (2015), coated roof (2018), epoxy-coated patio (2018), and updated appliances, including the range, refrigerator, washer, and dryer (2019). Other features include an open-concept kitchen/living room area, breakfast bar, glass-front cabinetry, under-cabinet lighting, LED lighting, ceiling fans, and a walk-in shower in the primary bath. Relax outdoors on the full-length covered patio complete with roll-down shades. The golf cart garage can also be used for storage! This move-in-ready home combines comfort, style, and low-maintenance living in a great location near shopping, restaurants, major league baseball spring training, and more. Must see!

17200 W Bell Road Unit 2124, Surprise

3 Beds ⋅ 2 Baths ⋅ 7061392 MLS ⋅ 1,545 SqFt.

After only one year, the owners are moving on! This is your gain! Ask about the ASSUMABLE FHA loan at 4.75% This almost new property already has all the things that new construction doesn't! Window blinds, landscaping done, all the bells and whistles of the upgrades, a fantastic lot! The Yarrow floorplan, where style meets innovation in a home designed for flexibility, affordability, and efficiency. This single-family, single-story layout spans 1,545 sq. ft. and offers 3/4 beds, 2 baths, and an oversized 2-car garage. Experience low-maintenance living in an open-concept floorplan with versatile space for the whole family. Energy efficiency is at the forefront, featuring low-E double pane windows, a 15 SEER A/C, a 50-gallon e-water heater, LED lighting, & a 96% high-efficient furnace

18018 W Sand Hills Drive, Surprise

4 Beds ⋅ 3 Baths ⋅ 7061376 MLS ⋅ 2,907 SqFt.

A rare find! This beautiful 4-bedroom gem offers the perfect blend of comfort, style, and functionality, creating a warm and inviting ambiance you'll love coming home to. Fall in love with a large & airy living room with soaring ceilings, along with a harmonious great room adorned with pre-wired surround sound, making it the ideal space for movie nights. Gourmet kitchen displays glossy stainless steel appliances, abundant cabinetry with crown moulding, mosaic tile backsplash, recessed/pendant lighting, and a prep island with a breakfast bar. Flexible bonus room can easily serve as an additional bedroom or media area. Spacious primary retreat showcases balcony access, an ensuite, and a walk-in closet. Wonderful backyard shines with a covered patio, fire pit, and a refreshing pool. PLUS! Solar panels provide added energy efficiency and long-term savings. This value has it all!

17653 W Marconi Avenue, Surprise

4 Beds ⋅ 3 Baths ⋅ 7061353 MLS ⋅ 2,264 SqFt.

Welcome to your own private desert retreat! Perfectly positioned on a desirable cul-de-sac, this exceptional home delivers impressive curb appeal with stone accents, a welcoming front patio, a two-car garage, and an RV gate. Step inside to soaring ceilings, warm rustic wood flooring, and a bright, inviting living space that instantly feels like home. The stylish kitchen is ready for everything from casual breakfasts to festive gatherings, featuring solid-surface countertops, abundant cabinetry, built-in appliances, recessed lighting, and a two-tier island with breakfast-bar seating. Upstairs, the versatile loft is perfect for a home office, media room, playroom, or cozy retreat. The spacious primary suite offers a private bath with dual sinks and a generous walk-in closet. Then step outside--and prepare to fall in love! This resort-inspired backyard was made for unforgettable Arizona living. Cool off in the sparkling pool, practice your short game on the putting green, host barbecues beneath the gazebo with its built-in grill, or gather around the glowing fire pit under the stars. A covered patio and convenient storage shed complete this incredible outdoor oasis. This is more than a home--it's your own personal escape for relaxing, entertaining, and making lasting memories. Come experience it for yourself!

26079 N 165th Lane, Surprise

2 Beds ⋅ 3 Baths ⋅ 7061274 MLS ⋅ 2,732 SqFt.

Beautifully maintained Ironwood offers 2,732 square feet of living space on a premium lot overlooking the Desert Springs Golf Course, with views of the White Tank Mountains. This home features 2 bedrooms, 2.5 baths, a private den/office, formal dining room, and an inviting library/game room with custom built-in shelving. The great room is the heart of the home, showcasing a custom entertainment wall with decorative shelving, abundant natural light, and breathtaking views through newer windows and sliding glass doors. The kitchen offers granite countertops, a large center island with electric cooktop and retractable downdraft vent, wall oven and microwave, Bosch dishwasher, four-door stainless refrigerator, abundant cabinetry, and a generous walk-in pantry, a butler's pantry. Adjacent casual dining overlooks the patio and golf course beyond. The spacious primary suite features a sitting area perfect for reading, exercise, or relaxation, along with picturesque golf course and mountain views. The luxurious ensuite bath includes dual vanities, a jetted soaking tub, remodeled tiled walk-in shower, large walk-in closet, private water closet, and bidet. Guests will appreciate the comfortable secondary bedroom and nearby bath with walk-in shower. Outdoor living is equally impressive with an extended covered patio, cool decking, motorized sunscreen, tranquil water feature, professionally landscaped low-maintenance yard, and wrought iron fencing that preserves the spectacular golf course and mountain views. Additional highlights include owned solar (24 panels) with exceptionally low electric costs, two HVAC systems replaced in 2018, newer Andersen rear windows and slider, epoxy-coated garage floors, service door, extensive garage cabinetry and workshop space, golf cart garage, whole house water softener, hot water recirculating system, and newer water heater. Inside laundry features new Samsung Red Front Loader washer and dryer, cabinets and counter space. A rare opportunity to enjoy spacious living, stunning views, and outstanding energy efficiency in one of The Grand's most sought-after floor plans.

15905 W Clear Canyon Drive, Surprise

3 Beds ⋅ 2 Baths ⋅ 7061232 MLS ⋅ 2,273 SqFt.

Luxury resort lifestyle you deserve awaits without a luxury-home price tag! Regal single-level home pampers w/Premier amenities usually only seen at high-end pricing! BACKYARD OASIS boasts HEATED POOL & SPA, a PUTTING GREEN, built-in BBQ w/SIDEBURNER, FIRE PIT seating area & OUTDOOR SHOWER! Elegant Designer window coverings thru out, w/3 bedrooms +den, AND distinctive MUDROOM /FLEX-ROOM w/built-in wine cooler to use as hobby rm or extra guest room! Unique home is designed for COMFORTABLE EVERYDAY LIVING & EFFORTLESS ENTERTAINING w/New CARPET, a CUSTOM STONE SNAIL SHOWER in primary suite, CHEFS KITCHEN w/GRANITE counters, staggered cabinets, GAS DOUBLE OVEN, w/Great room surround sound, fresh paint & OWNED SOLAR for REMARKABLE ENERGY SAVINGS! Off the 303 near Spring Training +AZ Cardinals!

18069 W Rimrock Street, Surprise

3 Beds ⋅ 2 Baths ⋅ 7061213 MLS ⋅ 2,393 SqFt.

Best of both worlds! This home is a rare find with a location on the Golf Course AND a Private Pool. Extensive upgrades and updates throughout include fresh exterior paint, new roof, new HVAC, windows, Italian tile floors and more! All the works been done so it's relax and enjoy time for the new owners. The Phoenician model offers an open feel with a split floor plan, high ceilings, den, formal dining, kitchen island with bar seating and a butler pantry making it a joy to entertain family and friends. Roomy primary suite has walk-in wardrobe and full walk-in shower. The recently installed pool is temp controlled with heat/cool heat pump for year round use. A new pergola adds to the resort feel of the fenced back yard that overlooks the Dick Baily signature designed golf course. Arizona Traditions is an active 55+ Gated Resort Community, close to an abundance of shopping and restaurant area, located in Surprise which was recently named the safest city in Arizona. Pickleball, Tennis, Pools, Fitness Center, Craft and Hobby Clubs and Social Activities abound. Come see what the Arizona Traditions Resort lifestyle is all about!

17489 N Goldwater Drive, Surprise

4 Beds ⋅ 3 Baths ⋅ 7061080 MLS ⋅ 2,222 SqFt.

Discover the Lavender Plan, a beautifully designed single-story home offering 2,222 sq. ft. of stylish, functional living space on a corner lot with neighboring single level homes. This move-in-ready residence with a Modern Desert style exterior features a front porch, 4 spacious bedrooms, 3 bathrooms, a flexible guest retreat, a 2.5-car garage tandem garage and an outstanding 55' deep backyard situated on an end lot. At the heart of the home, the kitchen shines stained wood shaker 42'' cabinets, quartz countertops, a white designer backsplash, and a large island perfect for gathering. As part of the Ahton Woods Roosevelt Collection, it comes complete with gourmet stainless steel appliances featuring a gas cooktop, under cabinet hood, dishwasher and microwave oven wall unit in addition to prewires for pendant lights. Wood-look plank tile flows through the main living areas, leading to an open great room that connects effortlessly to a covered patio through a 4-panel sliding glass door, ideal for indoor-outdoor living. Additional highlights include a soft water loop, 8-foot interior doors and elegantly finished bathrooms with White Sand quartz countertops and oval sinks. With its thoughtful layout, modern finishes, and welcoming design, the Lavender Plan is a home you'll love to live in every day. Located in the gated Visara community in Surprise (163rd Ave & Visara Pkwy) with future amenities including a pool, basketball court, BBQ/picnic areas, tot lot, community trails, and quick access to Loop 303 & Route 60.

16179 W Red Bird Road, Surprise

Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.