Surprise Homes with FHA New Financing

Surprise Homes with FHA New Financing

Welcome to Surprise, Arizona – a vibrant city that perfectly blends the charm of suburban living with the excitement of city amenities. Nestled in the heart of Maricopa County, Surprise is celebrated for its friendly community, beautiful landscapes, and a plethora of recreational opportunities. Whether you're an outdoor enthusiast or someone who enjoys cultural activities, Surprise has something for everyone.

One of the standout features of this city is its commitment to providing a high quality of life. With over 13 parks, numerous walking trails, and the stunning White Tank Mountain Regional Park nearby, residents can easily enjoy the great outdoors. In addition to its natural beauty, Surprise is home to a thriving arts scene, shopping centers, and dining options that cater to all tastes.

For those considering making Surprise their home, the real estate market offers a variety of options. One notable opportunity is the availability of homes with FHA New Financing. This financing option is particularly advantageous for first-time homebuyers or those looking to purchase a home with a lower down payment. FHA loans are designed to make homeownership more accessible, allowing you to take that exciting step into your new life in Surprise.

Imagine settling into a beautiful home surrounded by friendly neighbors and a community that feels like family. With the support of FHA financing, your dream of owning a home in this wonderful city can become a reality. Explore the possibilities in Surprise, where your future awaits!

Newest Surprise Homes with FHA New Financing

$457,990
4 Beds ⋅ 3 Baths ⋅ 7085749 MLS ⋅ 2,198 SqFt.
Gorgeous open plan with 4 bedrooms, three baths, flex room, loft, 2 car garage with an 8' door! Great design for entertaining, comfort and function. Fully equipped with stainless steel appliances, gas range, quartz counters, modern cabinetry, stylish backsplash, 8' interior doors, electrical upgrades. Smart Home. The wood look tile is gorgeous! The views are spectacular. Enjoy pickleball, bocce ball, basketball, playgrounds, and picnic areas too. INCREDIBLE incentives! Come and see it today!

22297 W Irma Lane, Surprise
$454,990
4 Beds ⋅ 3 Baths ⋅ 7085726 MLS ⋅ 2,284 SqFt.
Cul-De-Sac Lot with Impressive entry. Awesome split floor plan with mother-in-law suite, flex room, all four bedrooms are spacious, entertainer's kitchen. Private primary bedroom & bath. A flex room for office/formal dining/game room! Highlights are GE stainless steel appliances, beautiful quartz countertops, Burlap cabinets with matte black hardware and in style backsplash. Large island with breakfast bar, huge pantry, 8' interior doors, upgraded tile flooring throughout except bedrooms and closets. Smart Home, energy efficient, 9' ceilings, 8' garage door, soft water loop pre-plumb! New community with great amenities including pickleball, basketball, bocce ball and more. And don't forget about our great incentives!

20659 N 225th Drive, Surprise
$690,000
4 Beds ⋅ 3 Baths ⋅ 7085659 MLS ⋅ 3,024 SqFt.
2026 NEW BUILD WITH A SEPARATE-ENTRANCE SUITE AND A CHEF'S KITCHEN! This single-level Evolution plan in Asante offers 3,024 sq ft on an 8,750 sq ft lot. Open great room, den off the foyer, and a kitchen with a large quartz island, pro-style gas range with griddle, stainless hood, built-in wall oven, beverage fridge and walk-in pantry. Primary suite with dual vanities, a walk-in shower and a large walk-in closet. The separate-entrance suite has its own living room, kitchen, bedroom, bath, laundry, garage bay and AC. Finished yards with desert landscaping and irrigation, covered patio, owned water softener, Cat-6 wiring, exterior tankless water heater and a split 3-car garage. Community clubhouse, pools, fitness and pickleball. Two front doors sit side by side at the covered entry. Kitchen finishes include dark shaker cabinets, pendant lights over the island and a six-burner range with center griddle. The primary bath is glass-enclosed with a bench; the two secondary bedrooms share one hall bath with a tub/shower; the suite bath has a walk-in shower. Suite kitchen has a quartz peninsula and pendants, and the living room opens to the side yard. Garage is a 2-car bay plus a separate 1-car bay. Two gas stubs in the yard. Security cameras convey. Both refrigerators and the washer and dryer convey; freezer does not. Ceiling fans throughout.

25540 N 174th Avenue, Surprise
$400,000
3 Beds ⋅ 2 Baths ⋅ 7085618 MLS ⋅ 1,967 SqFt.
Welcome home to this beautiful single-level home built in 2020! Featuring 3 bedrooms plus a den, this home offers the perfect blend of comfort and function. The open floor plan centers around a spacious great room, ideal for everyday living and entertaining. The kitchen shines with an oversized quartz island and a walk-in pantry. The den makes a great home office, play room or guest space. The backyard is beautifully landscaped with plenty of room to play. The 3-car tandem garage offers room for vehicles, storage, or hobbies. Like new construction without the wait, this one checks all the boxes!

17792 W Cashman Drive, Surprise
$219,900
2 Beds ⋅ 2 Baths ⋅ 7085613 MLS ⋅ 928 SqFt.
A beautifully remodeled Mirada, fully FURNISHED on the ground floor offering effortless living with convenient access to dedicated parking, the private clubhouse & pool/spa. This turnkey residence features an inviting open layout with abundant natural light, tasteful décor & comfortable coordinated furnishings throughout. The living room opens to a sunny south facing private over-sized patio. The well-appointed kitchen includes newer modern appliances, ample cabinetry, quartz counters, and everything needed for immediate use including a charming breakfast nook surrounded by windows. The kitchen was designed not just for cooking, but for everyday living, casual dining and entertaining. A spacious primary bedroom provides a restful retreat, while the updated bathroom has a large walk-in shower & newer fixtures. The additional room is set up as guest bedroom with its own ½ bath but can also be an office/den. Newer HVAC, flooring, painted throughout, updated lighting, shutters, solar window screen, mechanical blind on patio are just some of the updates included. Ideal as a full-time home, seasonal getaway, or investment property, it is ready for you to start enjoying all the amenities that LaSolana & The Grand offer. Active adult lifestyle living is all about a phase of life where you finally get to design your days around what you enjoy most with resort style amenities, social connections & easy maintenance free homes designed for active adults.

14950 W Mountain View Boulevard Unit 1103, Surprise
$319,999
2 Beds ⋅ 2 Baths ⋅ 7085582 MLS ⋅ 1,352 SqFt.
Step into the highly sought-after, enlarged Silverstone Model & discover a truly special home. This spacious layout features 2 bedrooms, 1.75 bathrooms, & an exceptionally useful den created by utilizing part of the second car space in the garage. The den is an organizer's dream with built-in storage & ample room for a computer workstation, hobby space, or craft area. Main Suite is a private retreat, boasting 2 generous walk-in closets, dual sinks, & a large walk-in shower. Head outside through the patio door to a remarkably private setting with a surrounding block yard and a spacious covered patio perfect for relaxing or entertaining. Plus, Location What truly sets this home apart is Location

20050 N Siesta Rock Drive, Surprise
$215,000
2 Beds ⋅ 2 Baths ⋅ 7085360 MLS ⋅ 908 SqFt.
Welcome home to this charming condo in the guard gated Sun Village 55+ Community! Featuring 2 beds, 2 baths, an inviting covered front porch, roll up privacy blinds, and relaxing views of the expansive greenbelt. Inside, enjoy high ceilings, abundant natural light, and luxury vinyl tile throughout most of the home. The eat-in kitchen features hand painted botanical cupboards, extended granite counters, pendant lighting, and a range with air-fry features. The primary suite offers a private bath and walk in closet, while the secondary bedroom also includes a walk in closet. Enjoy community golf, pool & spa, fitness center, plus nearby Surprise Stadium, shopping and dining, with convenient access to Grand Ave/US-60 and Loop 303. A wonderful opportunity! Sun Village is a 55+ Gated, Resort Style Community. Enjoy the 18 hole par 3 golf course, gigantic heated pool & spa, pickleball, tennis, fitness gym, wood shop, billiards, onsite entertainment in our ball room and onsite restaurant! Sun Village, is a gated, security guarded, age 55+community, in the city of Surprise, Arizona. This small community is made up of just under 1400 homes and condominiums. The Sun Village Community has an 18 hole, par three "no-"riding" golf course, an heated swimming pool and spa, tennis, pickle ball and shuffleboard courts, horseshoe pits, an exercise room, a billiards room, sewing and crafts rooms, and a ballroom, where national and international entertainment can be enjoyed! Also secure RV Storage available for a fee. Close by you will find the spring training home of the Texas Rangers and the Kansas City Royals. Across the street from Surprises' baseball complex, is a 25 court tennis complex that is home to national and international tennis tournaments. A Regional Library, a park, and a fishing lake are also part of this fantastic recreational area.

14300 W Bell Road Unit 438, Surprise
$449,000
3 Beds ⋅ 2 Baths ⋅ 7085357 MLS ⋅ 2,231 SqFt.
Welcome to this beautiful 3-bed + den, 2-bath home.... lightly used as a second home. Enjoy 10' ceilings, 18x18 tile flooring, and abundant natural light from numerous windows. The kitchen features 42'' maple cabinets, a wraparound island, granite counters, recessed lighting, and a pantry. Fresh paint inside and out. Spacious master suite includes a walk-in closet and bath with dual sinks, separate tub, and shower. Laundry room offers cabinets and counter space. Step outside to a stunning backyard with tiled patio and pavers... ideal for entertaining. Extra-wide 2-car garage plus side yard with 10' RV gate for all your toys. Conveniently close to shopping and more. This home has it all.... don't miss out!

25943 N Desert Mesa Drive, Surprise
$500,000
4 Beds ⋅ 2 Baths ⋅ 7085294 MLS ⋅ 2,174 SqFt.
Welcome home to this beautifully updated 4-bedroom, 2-bath home with a bonus office/possible 4th bedroom, tucked away on a quiet cul-de-sac in a welcoming Surprise neighborhood! With two separate living areas, a Family Room and Living Room, this home offers plenty of space to spread out, entertain, work from home, or create the perfect flex space. Step inside to find 100% tile flooring throughout, new tall baseboards, fresh interior paint, and a spacious kitchen featuring a HUGE bar-height island that creates the perfect gathering place for family and friends. The primary suite features an oversized walk-in closet with its own ceiling fan and a beautifully updated custom tiled walk-in shower with dual shower heads done in 2024. The second bathroom also features a tiled shower The outside was just freshly painted this week as well! The backyard is where this home truly shines! Your private backyard oasis is surrounded by palm trees and beautiful landscaping, all automatically watered by a timed drip system. At night, colored LED solar lighting transforms the backyard into a magical retreat. Cool off in the Pebble Tec pool with colored LED lighting, relax in the heated spa, or simply enjoy Arizona evenings in your own private outdoor escape. Major improvements have already been taken care of, including TWO new AC units and a new roof, both completed in late 2023. The garage even features its own wall-mounted AC unit and deep utility sink for added convenience. This home is truly turn-key and move-in ready, with the added bonus of LOW HOA dues of only $30 per month. Located just minutes from the Loop 303 and conveniently close to Costco, Sam's Club, Safeway, Target, Sprouts, Walmart, Fry's, an incredible selection of restaurants, and the new Prasada shopping and entertainment area. Updated, spacious, beautifully maintained, and made for Arizona living -- this is one you'll want to see in person!

15946 W Marconi Avenue, Surprise
$494,999
4 Beds ⋅ 3 Baths ⋅ 7085280 MLS ⋅ 3,021 SqFt.
GATED COMMUNITY! BEAUTIFUL home! BRAND NEW CARPET AND PAINT. Smells and looks like a new build. Kitchen is GORGEOUS with tons of cabinets, counter space and ENTERTAINING island. Separate office/den on main level along with 4th bedroom. Incredible LARGE BONUS ROOM upstairs overlooking the park. Master closet is one of a kind. Don't miss it; it won't last.

15854 W Mauna Loa Lane, Surprise
$185,000
1 Beds ⋅ 1 Baths ⋅ 7085277 MLS ⋅ 852 SqFt.
Ventana model at La Solana, The Village at Sun City Grand, offering comfortable, easy-care living with 1 bedroom and 1 bath. Enjoy desirable south/southwest exposure and beautiful mountain views. Features include tile throughout, wood blinds, tile countertops, kitchen pull-out drawers, black appliances, washer/dryer, upgraded closet storage, comfort-height commode, and a security door. A/C and water heater were upgraded in 2018. La Solana offers a heated beach-entry pool, spa, clubhouse, theater, library, hair salon, and resource room, plus access to Sun City Grand amenities. Pet-friendly, rentals allowed, assigned covered parking and select furnishings may be available.

14950 W Mountain View Boulevard Unit 1305, Surprise
$664,995
4 Beds ⋅ 3 Baths ⋅ 7085240 MLS ⋅ 2,890 SqFt.
The Julia welcomes you with timeless curb appeal, featuring a charming covered front porch and a thoughtfully designed ranch-style floor plan. Inside, an inviting extended entry leads to an open-concept living space where the expansive kitchen, breakfast nook, and great room seamlessly connect, creating the perfect setting for everyday living and entertaining. The kitchen is highlighted by a large center island and an oversized walk-in pantry, offering plenty of space for meal preparation, storage, and gathering with family and friends. A versatile flex room provides the ideal location for a home office, study area, or hobby space, while the formal dining room adds a touch of elegance for hosting special occasions. Just beyond, a private covered courtyard extends the living area outdoors, creating a peaceful retreat for relaxation or entertaining guests. The Julia also features three secondary bedrooms, two additional full bathrooms, and a spacious 3-car garage, providing comfort, convenience, and flexibility for modern living.

17182 W Charlotte Drive, Surprise
Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.