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 modern conveniences. Known for its warm weather, friendly atmosphere, and a plethora of recreational opportunities, Surprise is an ideal destination for families, retirees, and young professionals alike. With its stunning mountain views and lush parks, this city offers an inviting landscape that encourages outdoor activities year-round.

Surprise is not just a beautiful place to call home; it also boasts a thriving economy and a strong sense of community. Residents enjoy access to top-notch schools, diverse shopping options, and a variety of dining experiences. With events like the Surprise Spring Training, where Major League Baseball teams come to play, the city pulses with excitement and community spirit.

For those looking to invest in real estate, Surprise presents an excellent opportunity, especially for buyers interested in homes with FHA new financing. The Federal Housing Administration (FHA) loan program is designed to make homeownership more accessible, offering lower down payment options and flexible credit requirements. This means that your dream home in Surprise could be more attainable than you think!

Whether you’re searching for a cozy single-family home, a modern townhouse, or a spacious family residence, the real estate market in Surprise has something for everyone. With the support of FHA financing, you can take the first step toward owning your slice of this delightful city. Explore the possibilities today and discover why Surprise, AZ, is the perfect place to plant your roots!

Newest Surprise Homes with FHA New Financing

$472,000
3 Beds ⋅ 3 Baths ⋅ 7079420 MLS ⋅ 2,387 SqFt.
Fall in love with this charming 2-story home with a POOL in Litchfield Manor! This 3-bed, 2-bath + powder room home features new interior paint, new downstairs laminate flooring, a new AC system (2021, Parker and Sons), and a new water heater (2022), plus low-care desert landscaping and a 2-car extended garage with built-in cabinets. Inside, vaulted ceilings and natural light highlight wood-look floors, slate-style tile, and plush carpet throughout. The family room flows into the eat-in kitchen with wood cabinetry, granite counters, built-in appliances, stone-tile backsplash, and a breakfast bar. The primary bedroom offers a private bath with tiled shower and walk-in closet, while a versatile loft and open den provide flex space for a home office. Welcome home to Litchfield Manor. The backyard oasis is complete with a covered patio, separate paver seating area, built-in BBQ, storage shed, and a sparkling pool w/Baja shelf, ideal for relaxing or entertaining. Enjoy a community playground & biking/walking paths, plus convenient access to Surprise Stadium, Bell Rd shopping & dining, Prasada-area amenities, and Loop 303. Don't miss this gem!

13784 W Country Gables Drive, Surprise
$369,000
3 Beds ⋅ 2 Baths ⋅ 7079295 MLS ⋅ 1,323 SqFt.
Looking for a new home? This charming single-level residence in Homestead at Marley Park is the one! Offering 3 beds, 2 baths, 2-car garage, & a low-care landscape. Enter to find a seamlessly flowing open layout, making entertaining a bliss! A neutral palette, high ceilings, tile flooring in common areas, and soft carpet in bedrooms are some features worth mentioning. The impressive kitchen boasts granite counters, tile backsplash, a pantry, recessed & pendant lights, wood cabinetry w/crown molding, an island w/breakfast bar, and SS appliances w/cooktop gas. The primary bedroom has an ensuite with dual sinks & a walk-in closet. Check out the backyard, ideal for relaxation or enjoying BBQ! A covered patio, artificial turf, well-laid pavers, & storage shed complete the picture. Welcome home!

13278 N 144th Drive, Surprise
$542,915
4 Beds ⋅ 3 Baths ⋅ 7079277 MLS ⋅ 2,359 SqFt.
This award-winning floor plan has 4 spacious bedrooms, 3 bathrooms, a den, & a 3-car garage. With 8' interior doors and 9' ceilings you feel the luxury when you walk through the front door. From the highly upgraded kitchen with quartz countertops to the beautiful brown cabinets with a 3'' crown molding and soft close doors. Matte black hardware to add that perfect finish to your cabinets. Enjoy cooking on your upgraded GE gas stainless steel oven and prepping your meal on your large kitchen island. You also have easy access to your large backyard with an 8' double gate on a 7,500 sq. ft. lot. This is a natural gas community with a tankless hot water heater. We are also Energy Star Certified! This home will be ready for move in January 2027.

15244 W Gray Fox Trail, Surprise
$485,000
2 Beds ⋅ 2 Baths ⋅ 7079274 MLS ⋅ 2,170 SqFt.
Fall in love with this charming Stonecrest model in the active 55+ Sun City Grand community! Beautifully manicured landscaping welcomes you to this inviting home with a 2 car garage with built in cabinets. Inside you'll find vaulted ceilings, tile flooring, cozy living spaces, and a family room with fireplace and media niche. The eat in kitchen features wood cabinetry, granite counters, stainless steel appliances, recessed lighting, and a breakfast bar. A dedicated office offers built in cabinetry. The spacious primary suite includes dual sinks, tiled shower, and a walk in closet. Enjoy the pergola covered patio and private backyard. Partial roof replacement completed in 2021 and HVAC replaced within the last five years. Move in ready!

15708 W Clear Canyon Drive, Surprise
$445,000
4 Beds ⋅ 2 Baths ⋅ 7079269 MLS ⋅ 1,902 SqFt.
Welcome to this inviting single-story home in Zanjero Trails featuring 4 bedrooms, 2 baths and an open-concept layout designed for easy living. The kitchen shines with white cabinetry, granite countertops, stainless steel appliances, gas cooktop and a large island overlooking the living and dining areas. The primary suite offers a walk-in closet and dual vanity, while three additional bedrooms provide flexible space. Enjoy tile flooring throughout, plantation shutters, a covered patio, gazebo, fenced backyard and attached 2-car garage. Highly upgraded at the build stage through the design center! TESLA Battery! Solar! Click the Virtual Tour link to view the 3D walkthrough. Discounted rate options and no lender fee future refinancing may be available for qualified buyers of this home. Solar will be paid off by the seller at close. Tesla Battery and all the benefits to convey!

18831 W Christy Drive, Surprise
$398,500
2 Beds ⋅ 2 Baths ⋅ 7079190 MLS ⋅ 1,472 SqFt.
Welcome to this beautifully updated and spacious Mariposa model, featuring a desirable open floor plan with split bedrooms for added privacy. Gorgeous tile flooring flows throughout the home, complemented by large windows that fill the space with natural light and a neutral color palette that is both inviting and versatile. The well-appointed kitchen features maple cabinetry with crown molding, granite countertops, a stylish backsplash, stainless steel appliances, and a convenient pantry. The spacious primary suite offers a charming bay window and a beautifully updated en-suite bath with dual sinks, a glass step-in shower, and a generous walk-in closet. Step outside to enjoy the low-maintenance backyard, complete with a large covered patio and attractive paver accents--perfect for relaxing or entertaining. Added bonus, new roof underlayment 12/2025 with a 30 year guarantee. Located in The Grand, a 45+ resort-style active adult community offering an exceptional array of amenities, including four golf courses, pickleball, bocce ball, three pools including an indoor lap pool, a two-story fitness center, a 1/4-mile padded walking path, numerous clubs and activities, and miles of scenic walking paths. The HOA also maintains exterior landscaping and provides pest control, making low-maintenance living even easier. For a guest packet and additional community information, visit the clubhouse at 19726 N Remington, Surprise, AZ.

16118 W Starlight Drive, Surprise
$579,900
4 Beds ⋅ 4 Baths ⋅ 7079157 MLS ⋅ 2,857 SqFt.
BRAND NEW with FULLY ASSUMABLE mortgage! Welcome home to the Darius, a thoughtfully designed ranch-style floor plan featuring soaring 10-foot ceilings and 9-foot doors throughout. The private primary suite offers a spacious walk-in closet and a luxurious bath with a soaking tub and separate shower. A rare second primary suite with its own adjoining living area provides the perfect setup for multi-generational living, long-term guests, or extended family. Enjoy a dedicated study, expansive great room, and seamless access to the covered patio for effortless indoor-outdoor living. The chef-inspired kitchen showcases a large center island, walk-in pantry, dining nook, and gourmet stainless steel appliances.

17633 W Running Deer Trail, Surprise
$599,000
3 Beds ⋅ 3 Baths ⋅ 7079150 MLS ⋅ 2,617 SqFt.
Sometimes you walk into a home and immediately kno it's the one and this is one of those homes! Set on a desirable corner lot with FULLY OWNED SOLAR, this 2023 Marley Park showstopper delivers undeniable wow factor and designer touches at every turn. Offering approximately 2,617 square feet, 3 bedrooms, 2.5 baths, a large den/flex room, and a 3-car tandem garage, the split floor plan beautifully balances connection and privacy. Inside, 10-foot ceilings, abundant storage, timeless finishes, and striking chevron-patterned wood-look tile create an unforgettable first impression. The open-concept kitchen and great room center around an oversized island, while an expansive multi-panel sliding glass door creates a seamless connection to the outdoors. Imagine enjoying your morning coffee beside the beautiful water feature, afternoons in the garden, and evenings gathered around the fire pit. The luxurious, professionally designed backyard features an oversized covered patio, outdoor kitchen, extensive pavers, pergola, decorative trellises, multiple garden beds, a side garden, and an elevated sunning area. Enjoy all of this near Marley Park's community amenities, area schools, shopping, dining, and more. This isn't simply a beautiful home, it's a lifestyle waiting to be enjoyed.

14552 W Voltaire Street, Surprise
$355,000
2 Beds ⋅ 2 Baths ⋅ 7079129 MLS ⋅ 1,546 SqFt.
Live the Grand Life! Ideally located in the heart of The Grand active adult community, this beautifully maintained home offers an inviting open floor plan, freshly painted interior & a light, bright kitchen featuring a large island--perfect for gathering and entertaining. Enjoy Arizona outdoor living with a charming front courtyard, extended back patio, lush landscaping + a Kool deck coating on the driveway & sidewalk. The extended garage features convenient storage cabinets, while a vacation mailbox offers peace of mind while traveling. Enjoy The Grand's amenities, including golf, tennis, pickleball, bocce, woodshop, baseball, 2 fitness centers, 4 pools--including an indoor pool--and 3 restaurants, all w/gorgeous mountain views. This is the lifestyle you've been waiting for!

16236 W Scarlet Canyon Drive, Surprise
$415,000
4 Beds ⋅ 2 Baths ⋅ 7078975 MLS ⋅ 2,032 SqFt.
Beautifully maintained and ready to welcome its next owner, this inviting 3-bedroom home delivers the combination buyers are looking for: thoughtful design, generous living spaces and the big-ticket improvements already taken care of. At the center of the home is a stunning kitchen with abundant cabinetry, generous counter space and an open configuration that keeps the cook connected to the action. Whether it's a quiet morning at home or a lively evening with friends, the layout makes entertaining feel effortless. Natural light fills the functional floor plan, creating a bright and comfortable atmosphere throughout. A spacious 3-car garage adds valuable storage and parking flexibility, while fully owned solar brings the added benefit of significant energy savings. Outside, the home's desirable Surprise location puts parks, schools and shopping within easy reach, giving you the convenience of everyday amenities without sacrificing the appeal of a peaceful residential setting.

17433 W Oberlin Way, Surprise
$434,900
3 Beds ⋅ 2 Baths ⋅ 7078966 MLS ⋅ 1,580 SqFt.
Welcome to this inviting single-level home in Bell West Ranch, featuring 3 bedrooms, 2 bathrooms, and a separate office. Situated on a spacious 9,248-square-foot lot, this home offers an open great-room layout with comfortable spaces for everyday living and entertaining. The kitchen, renovated in 2020, showcases granite countertops, a generous island, copper farmhouse sink, coordinating copper hood, custom backsplash, cabinet pullout drawers, an electric cooktop, and matching Samsung Black Stainless Steel appliances. The split primary bedroom features dual bathroom sinks and direct access to the backyard, while the separate office provides flexible space for work or hobbies. Step outside to enjoy a private saltwater pool, covered patio, and plenty of room for outdoor seating and gatherings. A two-car garage adds everyday convenience. Bell West Ranch offers neighborhood walking paths and playgrounds, with convenient access to Bell Road and Loop 303. Enjoy Surprise's shopping, dining, community parks, and spring-training baseball at Surprise Stadium. A wonderful combination of thoughtful upgrades, functional living space, and Arizona outdoor enjoyment!

17090 W Northampton Road, Surprise
$699,000
3 Beds ⋅ 3 Baths ⋅ 7078946 MLS ⋅ 2,001 SqFt.
SELLER OFFER $5K CREDIT TOWARDS CLOSING COSTS. Located in the luxurious gated community of Sterling Grove in Surprise, this meticulously designed 3 bedroom, 2.5 bathroom home features a light-filled, open split floor plan that enhances its overall spaciousness. At the heart of the home is a large gourmet kitchen equipped with top-of-the-line appliances, making it perfect for family gatherings and entertaining. The kitchen seamlessly connects to the great room, where an expansive multi-panel sliding door opens to the backyard to create an indoor-outdoor living experience ideal for enjoying the beautiful Arizona weather. The private master suite features plush carpeting and a wonderful bathroom complemented by an oversized walk-in closet, while ... ... the guest rooms situated at the front of the home offer plenty of space and privacy. Turf recently installed in the backyard. 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. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood 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, and bike rides. The community includes a stunning clubhouse, and a variety of pools, including a resort pool, lap pool, and a tranquil pool. The community also features a restaurant, a spa, a fitness and movement studio, event lawns, sports courts, the community is an up-and-coming area with excellent dining and shopping experiences. Don't miss this amazing home and community!

17171 W Thousand Oaks Street, Surprise
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