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

$485,000
4 Beds ⋅ 3 Baths ⋅ 7081294 MLS ⋅ 2,141 SqFt.
CHEF'S KITCHEN | DUAL ENSUITE SUITES | ARTIFICIAL TURF BACKYARD | CORNER LOT This stunning 2023-built single-story home in Aria Ranch delivers where it counts most. The chef's kitchen impresses with tall upgraded cabinetry, a built-in oven & microwave, sleek vent hood, and generous prep space made for real cooking. Two ensuite bedrooms give this home unmatched flexibility -- ideal for guests, multi-generational living, or a private retreat of your own. The backyard is already done right: lush artificial turf, a large shaded covered patio, and a corner lot that adds extra width on the east side with room to breathe. North-south exposure brings gorgeous evening sunsets right to your backyard. Inside, soaring 10-foot ceilings open a bright and spacious single-level layout with 4 bedrooms and 3 full baths. The primary suite is sun-drenched and generously sized, featuring dual vanities with white quartz counters, a full-size glass shower, and a large walk-in closet. Smart storage throughout keeps the home organized and clutter-free. Minutes to Prasada Shopping Center for dining, retail and entertainment, plus quick Loop 303 access.

17429 W Surrey Drive, Surprise
$584,950
5 Beds ⋅ 3 Baths ⋅ 7081279 MLS ⋅ 3,305 SqFt.
**Welcome to this beautifully maintained 3305 sf. 5-bed, 3-bath home in Surprise's sought-after community of Desert Oasis. GREAT lot location & one of the neighborhood's most popular well laid-out floorplans. This immaculate move-in ready home offers a separate Kitchen eating area, formal Dining room, Family room, Living room, & a bedroom downstairs. VERY MANY thoughtfully selected upgrades throughout. The gourmet kitchen features SS appliances, double built-in oven, microwave, fridge incl., maple cabinetry, 42'' uppers, granite tile countertops, roll out shelves, & abundant storage. Split floor plan offering privacy for the primary suite. Primary suite has dual vanities, oversized walk-in shower, soaker tub, & a large walk-in closet. Brand NEW tile, carpet & pad. **SEE UPGRADES LIST. SO MANY tasteful upgrades in this home! Remodeled bathrooms w/ tiled showers, granite counters, premium plumbing fixtures & comfort height toilets. **BRAND NEW Premium Sherwin Williams int. & ext. paint. BIG 4' extended length garage W/ high quality openers & insulated doors. Premium high quality security screen doors & 3 gates W/ door handle locks. Efficient 16 seer HVAC units. Upgraded stair rail, recessed lighting, home theater surround sound system, laundry sink pre-plumb, alarm system, RO & soft water system, sun screens, RV / EV 50 amp electrical outlet and SO MUCH MORE. *Washer/Dryer, 6 stools & 2 large TV's included with the sale! The private backyard features a large grass area, fully stuccoed block wall fence, gas stub out for BBQ, Hot Tub pre-wire, and an extended paver patio. Great for relaxing & entertaining. *Prime lot location with 2 green belt areas located right next to and across the street from this home. *Just minutes away from plenty of shopping, dining, and recreational choices. 22 golf courses within 10 miles. Easy Freeway access. COME SEE THIS WONDERFUL PROPERTY NOW!!

26302 N 168th Avenue, Surprise
$615,000
4 Beds ⋅ 3 Baths ⋅ 7081230 MLS ⋅ 3,435 SqFt.
Welcome to this meticulously maintained gorgeous two-story home in Surprise Farms! The fantastic curb appeal on a peaceful cul-de-sac street and 3-car garage are just the beginning. Inside, fall in love with the generous living spaces, designed with comfort in mind, featuring tile flooring, carpet in all the right places, abundant natural light, and neutral tones that create a comfortable atmosphere. The kitchen is equipped with spacious cabinetry, a granite peninsula, and built-in appliances for a seamless cooking. Get a good night's sleep in the main retreat, offering a practical walk-in closet and a spa-like bathroom with double sinks, an enclosed shower, and a tub. The den, loft, and bonus room offer flexibility and can serve as an office, gym, kids' playroom, or quiet retreat. The backyard hosts a covered patio ideal for morning coffee, a grass area perfect for games, and a sparkling pool for a refreshing time! An entertainer's dream! Come see it before it's gone!

17567 W Tasha Drive, Surprise
$565,000
4 Beds ⋅ 3 Baths ⋅ 7081211 MLS ⋅ 2,352 SqFt.
Why wait to build out your backyard when it's already done for you? Built in 2025 by Taylor Morrison with high-grade options, this stunning 4-bedroom, 3 full bath home delivers the space, style, and flexibility today's buyers are searching for. Plus a versatile bonus/flex room with upgraded double doors for a home office, playroom, or additional living space. The open-concept kitchen, dining, and living areas create an easy flow for everyday living and entertaining, while the kitchen features a large island and thoughtfully chosen finishes. The primary suite is privately situated and offers a beautifully upgraded bathroom with a large super shower and plenty of space to unwind. But the real showstopper is the backyard, where this home sets itself apart from the rest. The covered patio has been transformed into a true outdoor entertaining space with a built-in BBQ, Blackstone, mini fridge, TV, bar seating, and plenty of room to gather...perfect for game days or movie nights under the stars. Experience Surprise living at its finest!

11257 N 169th Lane, Surprise
$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
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