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 abundant recreational opportunities, Surprise is a hidden gem that offers a perfect blend of suburban tranquility and urban convenience. With its stunning desert landscapes, numerous parks, and a growing array of shopping and dining options, it’s no wonder that families and retirees alike are drawn to this charming city.

Surprise boasts a diverse range of homes, making it an ideal location for first-time buyers and seasoned investors alike. One of the most appealing options available is the opportunity to purchase homes with FHA financing. This program is designed to help buyers with lower down payments and more flexible credit requirements, making homeownership more accessible than ever. Whether you’re searching for a cozy single-family home or a spacious townhouse, you’ll find a variety of properties that cater to different lifestyles and budgets.

The city is also home to excellent schools, a robust healthcare system, and an array of recreational activities, including golf courses, sports complexes, and hiking trails. The warm climate allows residents to enjoy outdoor activities year-round, making it an ideal place for those who appreciate an active lifestyle.

If you’re looking for a place that offers both community and convenience, Surprise, AZ, is the perfect destination. With FHA financing options available, your dream home is within reach. Come explore the possibilities and discover why Surprise is the ideal place to call home!

Newest Surprise Homes with FHA New Financing

3 Beds ⋅ 2 Baths ⋅ 7069165 MLS ⋅ 2,188 SqFt.

Why wait for new construction when you can have the best of it already finished? Built in 2025 and ideally located in Desert Oasis, this beautifully upgraded 3 bedroom plus den home offers 2,188 sq ft of thoughtfully designed living space, a premium corner lot, and no neighbors directly behind. The open floor plan creates an easy flow between the spacious great room, dining area, and beautifully appointed kitchen featuring KitchenAid appliances, soft close cabinetry, and a generous layout designed for everyday living and entertaining. Luxury vinyl plank flooring runs throughout the main living areas, while the split bedroom floor plan offers privacy and flexibility, including a spacious primary suite and additional bedrooms tucked away from the main living spaces. The large den provides the perfect option for a home office, media room, or additional flex space. Step outside to a beautifully landscaped backyard that is already finished and ready to enjoy, with plenty of room for outdoor living, entertaining, and relaxing while overlooking the greenbelt with no homes directly behind. The front yard is equally well maintained, adding to the home's inviting curb appeal. Located in the growing Desert Oasis community with your own community pool. The area has an expanding collection of nearby shopping, dining, recreation, and everyday amenities, plus convenient access to the 303 and the TSMC campus. This is an opportunity to enjoy the feel and benefits of a newer home without starting from scratch on the lot, landscaping, and backyard. Move in, unpack, and start enjoying Arizona living.

17136 W Blue Sky Drive, Surprise

6 Beds ⋅ 4 Baths ⋅ 7069072 MLS ⋅ 3,461 SqFt.

Welcome to this beautifully upgraded Plan 45 RM5 in Almeria at Rancho Mercado, offering 6 bedrooms, 4 bathrooms, 3,461 square feet and a 3 car garage. Designed with both everyday living and entertaining in mind, the open main level connects the spacious great room, dining area and gourmet kitchen. The kitchen features an oversized island with breakfast bar, quartz countertops, 42 inch upper cabinets, GE Monogram appliances, and gas cooktop. The primary suite is conveniently located on the main floor and features a spacious bathroom with soaking tub, separate walk in shower, split vanities and a large walk in closet. An additional downstairs bedroom and full bathroom provide flexibility for guests, a home office or multigenerational living. Upstairs, a large loft creates an additional living or entertainment space. The thoughtfully designed second level also includes a spacious secondary suite with its own private bathroom, three additional bedrooms, another full bathroom with dual sinks and an upstairs laundry room. Additional upgrades include 8 foot interior doors, upgraded flooring throughout the main living areas, recessed lighting, modern fixtures and garage storage cabinets. Step outside to a finished backyard featuring an extended paver patio, covered patio, artificial turf, raised garden beds and plenty of room to relax or entertain.

24495 N 142nd Drive, Surprise

3 Beds ⋅ 3 Baths ⋅ 7069062 MLS ⋅ 1,518 SqFt.

A traditional sale is preferred, Seller Financing offers will be considered September 1. Start living your dream in this adorable 3-bedroom home with sparkling swimming pool! Come & discover a welcoming living room featuring soaring ceilings, wood-look flooring & abundant natural light throughout. Large eat-in kitchen displays ample honey oak cabinets, stainless steel appliances & a two-tier breakfast bar for casual dining and gathering. A powder room completes the main level. Serene primary bedroom provides a private bathroom with a glass step-in shower & a walk-in closet. Be amazed by the spacious backyard, enhanced by a covered patio & an enticing pool- perfect setting for cooling off, relaxing, and enjoying warm summer days. Home can be conveyed furnished at no additional cost.

15028 W Bottle Tree Avenue, Surprise

2 Beds ⋅ 2 Baths ⋅ 7069018 MLS ⋅ 1,401 SqFt.

Welcome to this beautifully maintained Ocotillo model, ideally situated on a private, oversized lot with extra parking in a desirable active adult community. This light and bright 2-bedroom, 2-bath home with a den offers a comfortable open floor plan designed for easy living and entertaining. Warm hardwood floors flow through the main living areas, while the bedrooms feature plush carpeting. Plantation shutters throughout, freshly painted walls, and vaulted ceilings add to the home's inviting, spacious feel. Plenty of storage cabinets in the 2 car garage and A/C replaced in 2024. Enjoy the peaceful charm of the front and back yards. Sitting in the back you'll enjoy a fountain and a firepit while looking at the AZ skies.

18032 W Spencer Drive, Surprise

4 Beds ⋅ 2 Baths ⋅ 7068904 MLS ⋅ 1,930 SqFt.

Uniquely designed home filled with special touches, including a one-of-a-kind real penny backsplash in the spacious kitchen! A large island and abundant tall cabinetry provide plenty of workspace and storage. Two living areas offer flexibility, with one open to the kitchen and another near the entry that can serve as formal living and dining, a game room, or music room. Four generously sized bedrooms include a guest room with its own exterior entrance. The primary suite features a walk-in closet, large shower, and private access to the backyard. Owned solar helps keep summer cooling costs down! Enjoy your built-in backyard pizza oven, perfect for entertaining. Conveniently located near shopping, restaurants, Spring Training facilities, and easy access to the 303.

15618 W Port Au Prince Lane, Surprise

3 Beds ⋅ 2 Baths ⋅ 7068809 MLS ⋅ 1,725 SqFt.

This Meticulously Maintained former Model boasts ''Pride of Ownership'' * Strategically situated on a PRIME LOT, over a 1/4 Acre w/ a Green Belt in Front & Park in Back * 3 Bed / 2 Bath Split Floor Plan * Great Room w/ Built-in Entertainment Center * Kitchen w/ Maple Cabinets, Island, Granite Counters, Back Splash, SS Appliances including a SMART LG Frig w/ an app for that & Pantry w/ a Decorative Glass Door * Lg Primary & Spacious Bath w/ Dual Sinks, Shower, Tub & Walk-in Closet * Tile throughout w/ Hardwood Floors in bedrooms * Plantation Shutters * AC/ Gas Pack 2022 * Water Heater 2021 * Your Very Own Private Oasis Backyard COMPLETE RE-SCAPE in 2022 w/ a Pergola, Pavers 10'x10' Turf & Beautiful Trees & Plants, Irrigation System Front & Back * 2 Large Side Yards - Room for Toys * WOW * Located in the Popular Veramonte Community offering playgrounds, paved sidewalks/ paths and near the Veramonte Park with a Playground, Splash Pad, Ramada for Cookouts & Parties, Facilities, Baseball, Soccer, lot's of space, greenbelts & much more * Minutes away from shopping, restaurants, Surprise Town Center and Spring Training at Surprise Stadium * Surprise Aquatic Center * Lots to do in this ever growing beautiful city of Suprise * This is a must-see home & community - you will not be disappointed.

12665 N 140th Drive, Surprise

4 Beds ⋅ 3 Baths ⋅ 7068780 MLS ⋅ 2,109 SqFt.

READY NOW! Stunning Spanish Elevation with lots of character. Beautiful 4 bedroom, 3 full baths! Ipressive Designer Package - Modern light brown cabinets with gold hardware, Quartz Counter tops, soft close cabinets and backsplash. Large kitchen island. Lots of windows for natural brightness. 9ft ceilings. Impressive 8ft panel doors, 2 tone paint through out, plank tile flooring and covered patio in Backyard. Upgraded electrical package, ceiling fan pre-wires through out, pre-wire for pendant lights, soft water plumb, Home Warranty... Too much to list. Please come and see this beautiful home!

17784 W Electra Lane, Surprise

4 Beds ⋅ 3 Baths ⋅ 7068779 MLS ⋅ 2,125 SqFt.

13479 N 156th Lane, Surprise

7 Beds ⋅ 5 Baths ⋅ 7068755 MLS ⋅ 4,019 SqFt.

**Beautiful 7-Bedroom Home Backing Greenbelt!** Welcome to this impressive 4,018 sq. ft. home offering 7 bedrooms, 4.5 baths, a den, and a finished 3-car garage, situated on a large oversized lot backing to a greenbelt area. The spacious, thoughtfully designed floor plan provides exceptional flexibility for a large family, guests, home office, or multigenerational living. Inside, you'll find upgraded cabinetry, Quartz Countertops,durable and stylish LVP flooring throughout, formal dining room perfect for entertaining. The luxurious primary suite features a stunning main bath with a spacious spa-style shower, creating a relaxing retreat at the end of the day. This **Energy Star, Indoor airPLUS qualified, and WaterSense/Water Wise** home combines comfort, efficiency, and thought. Must See Located in the beautiful community Escalante offering an aquatic center and pickle ball courts, 8 parks, disc golf, with shopping, highly rated schools, and convenient freeway access nearby. This exceptional home offers the space, upgrades, amenities, and location today's buyers are looking for!

15899 W Cielo Grande Avenue, Surprise

4 Beds ⋅ 2 Baths ⋅ 7068723 MLS ⋅ 2,155 SqFt.

Welcome to this beautifully updated Surprise home which offers a spacious, flexible floor plan designed for comfortable living and entertaining. The impressive kitchen features rich cabinetry, granite countertops, stainless steel appliances, stylish backsplash and a large center island, opening to generous dining and living spaces. Retreat to the spacious primary suite with a beautifully remodeled bath featuring dual vanities and a spectacular oversized walk-in shower. Flexible rooms offer options for a home office, gym or hobby space. Outside, enjoy an expansive paver patio, covered outdoor living area and low-maintenance landscaping with mature palms--perfect for enjoying the Arizona lifestyle! Major Updates & Improvements Renovated kitchen (2018) featuring granite countertops, upgraded appliances, and designer backsplash Completely remodeled primary and guest bathrooms New luxury flooring throughout the home New interior paint and carpet Fresh exterior paint (2017) New baseboards and window trim Expansive oversized patio slider that brings in abundant natural light and creates a seamless indoor-outdoor feel Upgraded patio door with built-in blinds Security screen door New air conditioning system (2020) New hot water heater (2024) New window screens Roof replaced in 2012 Exterior Features Extended driveway with additional concrete pad for third-car parking Professionally landscaped, low-maintenance backyard designed for relaxation and enjoyment Decorative backyard fountain conveys with the home Storage shed conveys with the home Bonus Features Select furniture pieces may be available to convey with an acceptable offer Move-in ready with significant updates already completed Thoughtfully maintained and improved by long-term owners

17590 W Columbine Drive, Surprise

3 Beds ⋅ 3 Baths ⋅ 7068707 MLS ⋅ 1,861 SqFt.

MODEL HOME! Don't miss the opportunity to own the Californian model at Fulton Homes at Prasada! This beautifully finished 3-bedroom plus loft, 2.5-bath home offers 1,861 sq ft with designer-selected details throughout. The open great room flows into a stylish kitchen featuring quartz countertops, island, gas range and pantry. Enjoy a professionally landscaped yard with synthetic grass and covered patio. Energy-efficient features include spray foam insulation, tankless gas water heater and an impressive HERS rating of 42. Prasada amenities include a community pool, pickleball, playgrounds and walking/biking paths, all near shopping, dining and the Loop 303.

13471 N 156th Lane, Surprise

4 Beds ⋅ 3 Baths ⋅ 7068578 MLS ⋅ 2,287 SqFt.

TURN-KEY POOL HOME WITH NEW ROOF! This stunning 4-bedroom, 2.5-bath corner lot home combines major upgrades with incredible outdoor living. Recent improvements include a NEW ROOF (2026), A/C installed in 2020, updated kitchen with painted cabinetry and oversized sink, plus a beautifully remodeled owner's retreat featuring a luxurious custom walk-in shower with dual shower heads, new vanity, tile flooring, and designer lighting. The custom electric fireplace creates a warm focal point in the spacious living area. Step outside to enjoy the sparkling pebble-finish pool, upgraded cartridge filtration system, extended covered patio, and solar for energy savings. Prime Surprise location near the 303, shopping, dining, and more! Major System Updates NEW Roof (April 2026) Roof warranty information available A/C Unit installed March 2020 (2019 model) Solar panels for potential energy savings Kitchen Enhancements Updated kitchen with painted cabinetry Large upgraded kitchen sink Stainless steel appliances Updated kitchen lighting Primary Suite Renovation Custom spa-inspired walk-in shower Dual shower heads New tile flooring Updated vanity Updated lighting Interior Upgrades Custom electric fireplace feature wall Entertainment center niche professionally enclosed Updated lighting in the kitchen, primary bedroom, and primary bath Multiple rooms refreshed with updated paint Backyard & Pool Improvements Sparkling pebble-finish pool Pool filtration system converted from sand filter to cartridge filter (2022) Extended covered patio Pull-down sun shade for additional comfort Fenced pool area Garage & Storage 3-car garage Built-in storage cabinets

15872 W Calavar Road, Surprise

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