Surprise Homes with FHA New Financing

Surprise Homes with FHA New Financing

Welcome to Surprise, Arizona – a vibrant city nestled in the heart of Maricopa County that perfectly blends suburban charm with the excitement of urban living. Known for its warm climate, stunning desert landscapes, and a strong sense of community, Surprise is an ideal destination for families, retirees, and everyone in between. With a rich array of parks, recreational facilities, and cultural events, residents enjoy a lifestyle filled with outdoor adventures and social gatherings.

Surprise boasts a diverse housing market that caters to various tastes and budgets. For those looking to invest in their dream home, the availability of homes with FHA financing options opens up a world of possibilities. The Federal Housing Administration (FHA) loans are designed to make homeownership more accessible, especially for first-time buyers. With lower down payment requirements and flexible credit guidelines, FHA financing allows you to step into the home of your dreams without the stress of hefty financial barriers.

Imagine waking up in a beautiful Surprise home, surrounded by stunning mountain views and a friendly neighborhood atmosphere. Whether you prefer a cozy single-family home or a modern townhouse, the options are plentiful. As you explore the community, you’ll discover top-rated schools, shopping centers, and a variety of dining experiences that make Surprise not just a place to live, but a place to thrive.

Embrace the opportunity to call Surprise, AZ, your home. With FHA financing available, your dream home is within reach, and the vibrant lifestyle of this remarkable city awaits you!

Newest Surprise Homes with FHA New Financing

$529,490
4 Beds ⋅ 3 Baths ⋅ 7081072 MLS ⋅ 2,371 SqFt.
Seller is offering a credit toward a rate buydown and closing costs with our preferred lender--ask us how you can save thousands over the life of your loan! Windstone Ranch is a master-planned community in Surprise, AZ offering access to local entertainment, shopping, dining, and beautiful views of nearby regional parks. Residents here enjoy a range of onsite amenities, including a pool, playground, and basketball court--perfect for both relaxation and recreation. This home comes fully equipped with all brand-new stainless steel kitchen appliances and features 7X22 tile flooring, stunning quartz countertops, and modern maple linen cabinetry, blending comfort, style, and everyday functionality. Photos are of a model home. A copy of the public report is available on the ADREs website.

15015 W Desert Hollow Drive, Surprise
$443,900
2 Beds ⋅ 2 Baths ⋅ 7081060 MLS ⋅ 1,278 SqFt.
ROOF 6/27/2024! Solar panels were completey removed & reinstalled. This very attractive KIVA is on a large corner cul de sac lot. Great curb appeal w/ stone accents & long driveway, quartz countertops, pantry, electric range, Porcelain tile T/O, all new windows, doors & plantation shutters T/O, new fans in all bedrooms, DON'T MISS THE GOLFER''S FAN IN THE GREAT ROOM! Double hall closet w/ built ins, gas dryer. 2 car extended garage with built in cabinets, overhead storage, new garage door,. HVAC w/ Nest thermostat NEW in 2023, Owned Solar for low APS bills. Mini split in garage, Full house H2O filtration system, Ring door bell, Simply Safe Security system, extended patio w/ pergola & remote shades on a large lot with room for a pool, ARE YOU SEEKING A NEW BUILD IN SCG? THIS ONE IS FOR YOU

16166 W Sandia Park Drive, Surprise
$449,900
3 Beds ⋅ 3 Baths ⋅ 7081046 MLS ⋅ 1,814 SqFt.
Welcome home. This well-maintained Sunset model by Lennar, offers over 1,800 square feet with 4 bedrooms, 2 baths and a 2-car garage. The bright, inviting interior features a designer color palette and an open-concept great room that flows seamlessly into the kitchen and dining area. The well-appointed kitchen offers granite countertops, a convenient breakfast bar, attractive cabinetry and stainless steel appliances, with easy access to the covered patio. The spacious primary suite features a private exit to the patio and pool, a bath with his/hers vanities, soaking tub, separate walk-in shower, private toilet room and generous walk-in closet. Three additional bedrooms provide plenty of flexibility for family, guests, a home office or hobbies. Step outside and enjoy your sparkling pool and spa, expansive yard awaiting your personal touch and block-wall for added privacy. With a comfortable open floor plan, indoor/outdoor living and plenty of room to enjoy, this home is ready for its next chapter!

24072 N 164th Avenue, Surprise
$519,090
2 Beds ⋅ 2 Baths ⋅ 7081016 MLS ⋅ 2,113 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 Heritage is a gated 55+ active adult community located in beautiful Surprise, AZ! Surrounded by mountain views, this community offers access to local shopping, dining, and recreational activities. Residents enjoy a vibrant lifestyle with resort-style amenities including a pool, pickleball courts, putting course, fitness center, clubhouse, and more. This home comes fully equipped with all brand-new stainless steel kitchen appliances and is complete with 6x36 tile flooring, elegant quartz countertops, and modern maple linen cabinetry. **Photos are of model home** A copy of the public report is available on the ADREs website.

25456 N 176th Avenue, Surprise
$505,490
5 Beds ⋅ 3 Baths ⋅ 7081007 MLS ⋅ 2,233 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 scenic 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 stylish maple latte cabinetry, designed for both comfort and function. Photos are of not of actual home. A copy of the public report is available on the ADRE's website

25909 N 171st Drive, Surprise
$193,900
2 Beds ⋅ 2 Baths ⋅ 7080863 MLS ⋅ 884 SqFt.
Charming 2-bedroom condo in Sun Village! Enjoy a spacious open layout with living and dining areas that flow effortlessly. Highlights include soft neutral paint, plush carpet, and ceiling fans. The galley kitchen features abundant cabinetry, sleek granite countertops, and built-in appliances. The main bedroom offers a private bathroom and walk-in closet, while the second bedroom provides flexible space for an office or hobbies. The laundry room adds everyday convenience. Experience resort-style living in this vibrant 55+ community with amenities like shuffleboard, pickleball, tennis, bocce ball, lakes, golf, pool, and spa. Discover the active, comfortable lifestyle that Sun Village has to offer!

14300 W Bell Road Unit 440, Surprise
$380,000
3 Beds ⋅ 3 Baths ⋅ 7080829 MLS ⋅ 1,793 SqFt.
HAVE IT ALL. The Roman shades, WATER SOFTENER, refrigerator, washer, and dryer, plus a ROOF WARRANTY, are all INCLUDED! Come see this warm and bright home, ready for your family. Rare premium lot. Only 12 homes in this community enjoy this setting, and once it's gone, it's GONE. With no neighbors in front and an open, green view, the park practically becomes your own front yard and you'll never have to lift a finger for it, since it's all maintained by the HOA. Why pay pool upkeep costs that often exceed your HOA dues, when you can simply stroll over to the community pool as if it were your own? This home delivers year-round energy savings with a solar system that keeps those notorious Arizona summer electric bills low, plus a water softener (nearly $6,400, paid in full), an absolute must-have for Arizona's hard water. This move-in-ready TURNKEY home means no fans to install, no lighting to add, no backyard to landscape. It's all done for you. Simply move in and enjoy. The backyard is complete and low-maintenance, perfect for families or busy professionals who still want private outdoor space to enjoy. Inside, an updated soft green backsplash, stylish ceiling fans, and elegant lighting give this home a modern, elevated feel that sets it apart from anything else in the community. Situated in a growing NW Valley corridor close to major employment centers, this home has already raised one happy young family. Now it's ready for the next family to grow and dream here. Come see it. YOU'LL FALL IN LOVE!

14221 W Hackamore Drive, Surprise
$430,000
3 Beds ⋅ 2 Baths ⋅ 7080808 MLS ⋅ 1,591 SqFt.
Beautifully reimagined and remodeled with over 100k invested in this project!! This 3-bedroom, 2-bath residence is nestled within an exclusive gated adult community, offering refined comfort and effortless living for your next chapter. Meticulously maintained and thoughtfully upgraded, the home welcomes you with an open concept design and soaring vaulted ceilings that create a sense of spacious elegance. Expansive new windows flood the interior with natural light, enhancing the warmth of the new luxury laminate flooring that flows seamlessly throughout. A former flex space has been thoughtfully converted into a third bedroom, adding versatility and functionality to the floor plan. The fully renovated kitchen serves as the heart of the home, featuring new countertops and a striking island designed for gathering and entertaining. Both bathrooms have been beautifully remodeled with modern finishes that elevate the home's overall sophistication. New ceiling fans provide comfort throughout, while a dedicated A/C splitter ensures a climate controlled garage ideal for hobbies, storage, or workspace needs. Additional upgrades reflect a commitment to quality and efficiency, including a new water heater, a whole-home water softener and filtration system, an insulated quiet-package garage door, and new energy-efficient windows complemented by custom solar shades in the bedrooms. The exterior has been completely transformed into a private retreat. Professionally redesigned front and back landscaping, a new irrigation system, and elegant outdoor lighting create a polished and serene environment. Epoxy finishes on the front and rear patios, as well as the garage floor, add both durability and style. A newly added patio privacy wall offers seclusion, while the covered back patio features a new fan and lighting for year-round enjoyment. Fresh interior paint and a newly painted block privacy wall complete the home's refreshed presentation. A new sliding glass door further enhances the seamless indoor-outdoor living experience. With scenic mountain views, nearby golf, shopping and dining, and convenient freeway access, this move-in ready residence delivers a resort-inspired lifestyle with modern luxury at every turn.

17988 W Deneen Way, Surprise
$385,000
2 Beds ⋅ 2 Baths ⋅ 7080587 MLS ⋅ 2,051 SqFt.
Discover this lovely single-story home in the sought-after Arizona Traditions adult community! This gem welcomes you with vibrant landscaping, a cozy front porch, and a 2-car garage with attached storage. The home has been updated with brand-new wood-like flooring throughout, new bathroom vanities, and quartz kitchen countertops. A stone fireplace adds warmth to the family room, complemented by neutral tones. The well-appointed kitchen features ample cabinetry, a spacious peninsula with a breakfast bar, and Brand New Stainless Steel appliances.The spacious primary suite provides a comfortable retreat with a walk-in closet and a full bathroom. A versatile den offers the perfect space for a home office, reading area, And there's even more room to enjoy in the separate,generously sized Hobby Room, ideal for crafts, hobbies, a workshop, or additional climate-controlled storage. Step outside to the backyard and relax or entertain beneath the cozy covered patio. The low-maintenance outdoor space provides a comfortable setting for morning coffee, afternoon relaxation, or gatherings with friends and family. Arizona Traditions offers an exceptional lifestyle with walking paths, golf, a restaurant, community pool, and more, all conveniently located near shopping and with easy freeway access. This home is a must see!!!

17434 N Javelina Drive, Surprise
$750,000
4 Beds ⋅ 3 Baths ⋅ 7080504 MLS ⋅ 3,261 SqFt.
Welcome to this fantastic 4 bedroom, 3 bathroom home situated on an oversized corner lot in desirable, gated, Rancho Gabriela! Featuring a 3 car garage, RV gate and a split double master bedroom layout! Inside, you will enjoy a bright inviting layout with vaulted ceilings, a thoughtful combination of tile and carpet flooring and a warm, earthy palette. The well appointed kitchen features granite counters, stainless steel appliances, abundant cabinetry, and an island with a breakfast bar. The spacious primary suite offers a walk in closet, dual sinks, separate shower and tub, and direct outdoor access. Relax in the temp controlled AZ room which can be perfect for the kids to play or enjoy the backyard with a pergola, fountain, and plenty of space for entertaining. Make it yours today!

11303 N 150th Lane, Surprise
$599,900
6 Beds ⋅ 4 Baths ⋅ 7080416 MLS ⋅ 3,297 SqFt.
Six bedrooms and four bathrooms give this two-story home serious room to spread out -- whether you need space for a large household, frequent guests, or a dedicated home office. From the moment you walk in, tile flooring runs throughout the main living areas, creating a durable, easy-care foundation for daily life. The living room, dining space, and kitchen all open into one another, making the layout ideal for entertaining or simply keeping an eye on the kids while you cook. The kitchen anchors the main floor with warm wood cabinetry that offers abundant storage, a center island for extra prep space and casual seating, and a full suite of stainless steel appliances. It's a layout built for both everyday meals and larger gatherings. Upstairs, the primary suite is generously sized, with enough room for a separate sitting area -- a nice touch if you want a reading nook, small home gym corner, or just extra breathing room away from the main living space. The en-suite bathroom includes a double-sink vanity, making morning routines easier for two. The remaining bedrooms are versatile enough to serve as guest rooms, a home office, a playroom, or flex space to suit whatever your household needs most. A loft-style landing at the top of the stairs adds yet another gathering spot -- great for a second living area, homework station, or media nook. Outside, a covered patio provides shaded outdoor living space overlooking a grass lawn, bordered by low-maintenance desert landscaping -- a practical balance between usable yard space and water-conscious design. A three-car garage, finished with built-in cabinets and epoxy flooring, offers ample storage and a clean, functional space for vehicles, tools, or hobbies. Location is a major highlight here: this home is zoned for Dysart Unified School District: Western Peaks Elementary School, Cimarron Springs Middle School, and Willow Canyon High School -- all rated "A". Add in close access to Highway 303 with major shopping both north and south, and this location delivers on both education and convenience.

18049 W Ivy Lane, Surprise
$549,000
3 Beds ⋅ 2 Baths ⋅ 7080388 MLS ⋅ 2,298 SqFt.
Beautiful Stonecrest model with BIG 2026 UPDATES: NEW ROOF, NEW A/Cs, NEW WATER HEATER, NEW CARPET & FRESH EXTERIOR PAINT! Light, bright and cheerful with neutral colors throughout. Perfectly located near both rec centers, all 4 golf courses, pickleball, pools, spa and everything Grand has to offer. The split-bedroom floor plan gives guests their own private space. Spacious primary suite features a bay window, dual sinks, separate tub & shower and large walk-in closet. The kitchen is the heart of the home with granite counters, breakfast bar, 2 pantries and plenty of storage. Relax on the large, north-facing covered patio overlooking a private ¼-acre backyard--perfect for enjoying time with family and friends!

16012 W La Paloma Drive, Surprise
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