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, where the sun shines brightly and the community spirit thrives. Known for its friendly atmosphere and rapid growth, Surprise offers a perfect blend of suburban charm and modern conveniences. With a population that continues to expand, this dynamic city is becoming a sought-after destination for families, retirees, and everyone in between.

Surprise boasts an array of amenities, including beautiful parks, top-notch schools, and a variety of shopping and dining options. Outdoor enthusiasts will appreciate the numerous recreational opportunities available, from hiking in the nearby White Tank Mountains to enjoying a day at the Surprise Community Park, which features sports fields, playgrounds, and picnic areas. The city also hosts exciting events throughout the year, fostering a strong sense of community and connection among residents.

When it comes to housing, Surprise offers an impressive selection of homes perfect for first-time buyers and seasoned investors alike. With FHA financing options available, purchasing a home here has never been easier. FHA loans are designed to make homeownership accessible, allowing buyers to secure a property with a lower down payment and more flexible credit requirements. This means you can find your dream home in Surprise without breaking the bank!

If you’re looking for a place that combines affordability, community, and a sunny lifestyle, Surprise, AZ, is the perfect choice. Explore the housing options available and take the first step toward making this charming city your new home!

Newest Surprise Homes with FHA New Financing

$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
$649,900
3 Beds ⋅ 2 Baths ⋅ 7080384 MLS ⋅ 1,708 SqFt.
COMING SOON!!! To be built 3-bedroom, 2 bath home that offers 1,708 sf of open concept living space paired with an attached RV garage and a two car garage. Inside, you'll find vaulted ceilings, a bright kitchen with a 7 foot island and pantry. ALL appliances included. Enjoy an oversized dining area with an 8 foot patio door that opens to the covered patio. A block fence and privacy yard with grass for the dogs and a BBQ island are included. The massive owner's-suite features a walk-in closet and luxury bath with a dual-sink vanity, linen closet and oversized shower. This unique split garage design includes a standard 2-car garage plus a soaring 42' RV garage, giving you all the storage you need for vehicles, toys, and equipment. Built for comfort and efficiency, this home is fully sheared and includes low-E windows, spray foam insulation including both garages. A Lennox 14 SEER HVAC system takes care of heating and cooling. Brand new shared well and equipment with high pressure system and buried underground storage tank for 3 new homes. Make this home truly yours with the ability to choose all your colors and finishes.

319XX N 165th Avenue, Surprise
$1,399,000
2 Beds ⋅ 3 Baths ⋅ 7080378 MLS ⋅ 2,657 SqFt.
Welcome to luxury desert living at its absolute finest in the prestigious Sterling Grove Golf and Country Club. Nestled on a MASSIVE 15,383 sq ft corner lot at the quiet end of an exclusive 55+ parcel surrounded entirely by single-level homes, this highly sought-after St. Helena model offers unparalleled privacy with a neighbor on only one side. From the moment you step inside, the extensive premium upgrades are on full display, starting with striking, custom-built nine-foot black metal French doors that lead into a sophisticated private office. The open-concept living area boasts a dramatic wood-beamed ceiling and elegant crown molding, flowing seamlessly past a formal den/lounge and a well-appointed butler's pantry. The split floor plan layout ensures ultimate comfort for guests with... ... a separate bedroom featuring its own en-suite bathroom and walk-in closet, while the primary suite serves as a lavish retreat complete with a spa-like soaking tub and a custom closet upgrade. Indoor-outdoor entertaining reaches new heights thanks to a massive 16-foot multi-panel sliding patio door that opens up to an extended covered patio built for maximum shade. The breathtaking backyard is truly second to none, showcasing a large professional-grade putting green, a charming gazebo, and an elevated swim-spa deck designed specifically to capture unobstructed, panoramic views of the Arizona mountains and vibrant desert sunsets. Complete with a spacious grassy side yard, a pristine tree-lined perimeter, a three-car garage, and extensive landscape and pendant lighting to illuminate those cooler desert nights, this turnkey masterpiece offers a resort-style lifestyle that simply cannot be replicated. 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!

11001 N Mckinney Street, Surprise
$393,870
3 Beds ⋅ 2 Baths ⋅ 7080324 MLS ⋅ 1,545 SqFt.
***MOVE-IN READY January*** Enjoy up to $36K in FlexCash when using our preferred lender.* Discover the Yarrow floorplan from our Sonoran Collection, where style meets innovation designed for flexibility, affordability, and efficiency. This single-family, single-story layout spans 1,545 square feet and offers 3 bedrooms, plus a Flex Room, 2 bathrooms, and an oversized 2-car garage. Experience low-maintenance living in an open-concept floorplan that provides versatile space for the whole family. *Terms and conditions apply. See sales counselor for details.

24017 N 179th Drive, Surprise
$330,000
2 Beds ⋅ 2 Baths ⋅ 7080303 MLS ⋅ 1,627 SqFt.
Welcome to easy, sun-soaked living in Sun City Grand (''The Grand''), one of Surprise, Arizona's most sought-after 55+ master-planned communities. This spacious 2-bedroom, 2-bathroom home offers over 1,600 square feet of comfortable, single-level living designed for how you actually want to spend retirement -- relaxing, entertaining, and enjoying the Arizona sunshine. Inside, an open-concept kitchen flows effortlessly into the main living space, making it a natural gathering spot for family dinners and get-togethers with friends. Both bedrooms are generously sized, and the layout features two private owner's suites -- ideal for hosting overnight guests, an in office or hobby room, or giving everyone their own space. The garage has had additional storage cabinets added. Step outside to a huge covered back patio, the perfect place to sip your morning coffee, dine al fresco, or unwind as the desert sky turns colors at sunset. It's outdoor living at its finest, and it's yours nearly year-round in the Valley's famously mild winters. Living in The Grand means resort amenities right at your doorstep: four championship golf courses (Cimarron, Desert Springs, and the Granite Falls courses), resort-style pools including an indoor pool, tennis, pickleball, bocce, lawn bowling, two fitness centers, and dozens of social clubs and community events. Hop in your golf cart and cruise to Main Street's shops, coffee, ice cream, and restaurants, this is a lifestyle, not just an address.

15327 W Echo Canyon Drive, Surprise
$419,900
4 Beds ⋅ 3 Baths ⋅ 7080243 MLS ⋅ 1,909 SqFt.
SPACIOUS & GORGEOUS HOUSE IN THE PROMINENT MARLEY PARK COMMUNITY! BRIGHT & WELCOMING FOUR BEDROOM FEATURING BRAND NEW STAINLESS STEEL APPLIANCES, CERAMIC TILE, NEW CARPETING & FRESH PAINT ON THE INTERIOR. THIS UNIQUE MODEL HAS A RAISED PLATFORM FRONT PORCH, BOTH A GREAT & A LIVING ROOM, GRANITE COUNTERTOPS & AN INSIDE LAUNDRY ROOM. MASTER SPLIT FLOORPLAN WITH THE MASTER BEDROOM ON THE FIRST LEVEL. THREE LARGE BEDROOMS ON THE SECOND FLOOR, TWO HAVE WALK-IN CLOSETS. A COZY COVERED PATIO TO ENJOY THE MATURE DESERT LANDSCAPING IN THE EXPANSIVE BACKYARD. JUST A FEW BLOCKS WALK TO ALL THAT MARLEY PARK OFFERS. RECREATIONAL CENTER & CLUBS, SWIMMING POOLS & SWIM PARK, FITNESS CENTER, BALL COURTS & SO MUCH MORE! COME TAKE A LOOK AT YOUR NEW HOME.

15348 W Dreyfus Street, Surprise
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