Surprise Homes with FHA New Financing

Welcome to Surprise, Arizona – a vibrant gem nestled in the heart of Maricopa County! This thriving city, known for its sunny weather and friendly community, offers a unique blend of suburban charm and urban convenience. With a population that embraces diversity and a spirit of togetherness, Surprise is the perfect place to call home.

Surprise boasts an array of recreational activities, from the stunning landscapes of the White Tank Mountain Regional Park to the lush greens of its numerous golf courses. The city is also home to an impressive array of shopping, dining, and entertainment options, ensuring that residents have everything they need right at their fingertips. Families will appreciate the highly-rated schools and safe neighborhoods, making it an ideal environment for raising children.

For those looking to invest in their dream home, Surprise is an excellent choice, especially with the availability of homes that qualify for FHA New Financing. This financing option opens the door for many first-time homebuyers and those looking to transition into a new space. FHA loans are designed to make homeownership more accessible by offering lower down payments and flexible credit requirements, making it easier than ever to secure your slice of this beautiful city.

Whether you’re drawn to the picturesque parks, the bustling community events, or the welcoming atmosphere, Surprise, AZ, has something for everyone. Explore the possibilities of homeownership here and discover why so many are choosing to make Surprise their forever home!

Newest Surprise Homes with FHA New Financing

$280,000

3 Beds ⋅ 2 Baths ⋅ 7098896 MLS ⋅ 1,536 SqFt.

Cute 3 bedroom 2 bath Manufactured home with a spacious floor plan on a nice size lot. With a large storage shed and RV parking available.

16589 N Queen Esther Drive, Surprise

$435,000

4 Beds ⋅ 3 Baths ⋅ 7098895 MLS ⋅ 3,207 SqFt.

Welcome home to this spacious 3,200 square foot, 4 bedroom, 3 bathroom home on a desirable corner lot. Upstairs, a huge open loft is ready to become your game room, home office, or movie night hangout. You'll also love the two-car tandem garage, with extra room for storage, a workshop, or your weekend toys. Out back, you'll find a private, fully fenced pool, ready for a fresh resurface, plus a yard that's a blank canvas for your personal touch. Seller is willing to resurface and repair the pool with a full price offer! All just minutes from great restaurants and shopping. Estate sale 10/29-31st. 10am-2pm

13191 W Watson Lane, Surprise

$640,000

5 Beds ⋅ 4 Baths ⋅ 7098780 MLS ⋅ 2,684 SqFt.

This elegantly designed, brand-new two-story home features five generously sized bedrooms, thoughtfully positioned to create a seamless and cohesive living experience. The modern residence is designed for both comfort and effortless functionality, making it ideal for everyday living and entertaining. Beautifully situated within a prestigious resort-style, guard-gated community, residents enjoy access to an impressive array of world-class amenities, including a championship golf course, vibrant clubhouse activities, sparkling pools, sports courts, pickleball, a full-service spa, and exceptional on-site dining featuring restaurants and bars. This exceptional home offers the perfect blend of contemporary luxury, comfort, and resort-style living.

11696 N Fredericksburg Street, Surprise

$224,900

2 Beds ⋅ 2 Baths ⋅ 7098696 MLS ⋅ 507 SqFt.

This Park Model offers great versatility having a guest house adding another bedroom! There are so many recent upgrades including new ceiling fans, hot water heater. The guest house has a new roof, new laminate flooring, new carpet in bedroom, and the list goes on. The driveway has new epoxy coating. The spacious shed is great for a small workshop or can be used to store your golfcart. This home was lovingly cared for and is move-in-ready! All of this in a gated and guarded 55+ community. Come see what this gem along with all of the amenities the desirable Happy Trails community has to offer. Of course, Happy Trails is centrally located with many shopping areas and popular restaurants in its vicinity.

17200 W Bell Road N Unit 199, Surprise

$1,092,000

2 Beds ⋅ 3 Baths ⋅ 7098664 MLS ⋅ 2,457 SqFt.

Beautifully designed this stunning single-story home in Active Adult welcomes you with a bright and inviting foyer and a versatile flex room. The thoughtfully designed layout offers incredible views of the open-concept great room and casual dining area, seamlessly extending to an expansive covered patio perfect for relaxing or entertaining. At the heart of the home, the beautifully appointed kitchen features a large center island with a breakfast bar, abundant counter and cabinet space, and a spacious walk-in pantry, creating the perfect combination of style and functionality. Beautifully situated within a prestigious resort-style, guard-gated community, residents enjoy an impressive array of world-class amenities, including a championship golf course, vibrant clubhouse, sparkling pools.

17626 W Guthrie Street, Surprise

$390,000

4 Beds ⋅ 2 Baths ⋅ 7098602 MLS ⋅ 1,527 SqFt.

Fall in love with this 4 bedroom, 2 bathroom home with a 2-car garage, and a sparkling private pool! Step inside to discover abundant natural light, soaring ceilings, stylish wood-look flooring, and an open-concept floor plan that creates a welcoming atmosphere for everyday living and entertaining. Your backyard oasis is ready to enjoy! Relax beneath the covered patio, gather with friends in the separate seating areas, or enjoy the expansive artificial turf and refreshing pool. Whether you're hosting weekend get-togethers or simply soaking up the Arizona sunshine, this outdoor space is designed for year-round enjoyment. Even better, the home backs to a large park with no immediate neighbors behind, offering an open backdrop and an added sense of privacy. Solar adds another appealing feature, with a current monthly loan payment of $129 per month. Move-in ready and packed with desirable features, this Surprise gem is ready to welcome its next owner! Don't miss your opportunity to enjoy the pool, the privacy, and the Arizona lifestyle you've been looking for.

14614 N 132nd Avenue, Surprise

$314,900

3 Beds ⋅ 2 Baths ⋅ 7098369 MLS ⋅ 1,154 SqFt.

Welcome to this charming 3-bedroom, 2-bath home in the desirable Bell West Ranch community of Surprise! Offering 1,154 square feet of thoughtfully designed living space, this single-story home features an inviting open-concept great room, vaulted-feeling 9-foot-plus ceilings, and an abundance of natural light. The spacious eat-in kitchen offers maple cabinetry, generous counter space, and a functional layout that flows seamlessly into the main living area. The primary suite features a walk-in closet and private bathroom, while two additional bedrooms provide flexibility for guests, a home office, or everyday living. Step outside to a private, low-maintenance backyard featuring an extended covered patio, mature shade trees, and plenty of room to relax, entertain, or create your own outdoor retreat. Additional highlights include a two-car garage, ceiling fans throughout, and a combination of tile and carpet flooring. Conveniently located near neighborhood parks, walking paths, shopping, dining, and Loop 303, this home offers comfort, convenience, and easy access to everything Surprise has to offer. Whether you're looking for your next home or an investment opportunity, this Bell West Ranch property is one you won't want to miss!

17040 W Aberdeen Drive, Surprise

$395,000

4 Beds ⋅ 3 Baths ⋅ 7098328 MLS ⋅ 1,909 SqFt.

Located directly across from a park in Marley Park, this charming home welcomes you with a beautiful raised front porch, the perfect spot to relax and enjoy the neighborhood. This two-story home offers 4 bedrooms and 2.5 bathrooms, with a conveniently located first-floor primary suite. Rich-toned engineered hardwood flooring flows throughout the entire home--no carpet! Designer shutters throughout and freshly painted interiors create a polished, inviting feel, while granite countertops add timeless appeal. The HVAC system was replaced in 2022 for added peace of mind. Enjoy a low-maintenance backyard featuring stamped concrete and your own putting green, perfect for practicing your short game or entertaining friends. A two-car garage completes the package! Located in Surprise's sought-after Marley Park master-planned community, enjoy tree-lined streets, community pools, and a recreation center. Less than two miles from the Prasada shopping district, with convenient access to Loop 303, major sporting venues, and concert destinations, this home brings together neighborhood charm and everyday convenience.

13269 N 153rd Lane, Surprise

$949,500

5 Beds ⋅ 3 Baths ⋅ 7098234 MLS ⋅ 2,832 SqFt.

Wow! Check out this California inspired contemporary home with a coastal vibe. Sitting on one acre with pavement access is 2400 sf, 4-bedroom, 2 bath home with RV garage and detached 432 sf casita, 1 bedroom and 1 bath. Enjoy a modern Iron entry door attached to a formal foyer with sconce lighting, wainscot wall paneling with marble and wood plank tile in-lay flooring. When walking into the kitchen you are greeted with designer cabinets and counter tops with LED cabinet lighting, roll out shelves, huge pot and pan drawers, waste cabinet, glass stacker cabinets. This is a chef's dream, coupled with a large walk-in pantry and Frigidaire Gallery Appliances. The great room has a soaring 12ft ceiling with beams that includes a bar for entertaining your guests... an entertainment wall with 6 large cubbies, cabinetry and a marble LED fireplace. The large windows and 16 ft patio door that brings in warmth and plenty of natural light into the space for any occasion. This well thought out floor plan has a garage entry drop zone and mud bench that leads to a laundry room that conveniently connects to the primary suite, a must have in 2026. The primary bath has dual vanities with marble deco wall. Enjoy the large shower with 24in bench and hidden shelves for the toiletries. This home comes with low maintenance landscaping, and a painted block fence with graveled privacy yard off the great room. The detached casita has a full bath and kitchenette creating endless options for usage. Building features for this home include 2x6 framing, fully sheared exterior walls, spray foam insulation, including the garage. Insulated modern steel garage door. Low E vinyl windows. Lennox heating and cooling split system. Shared well that includes a new well pump, new high-pressure pump and buried underground storage tank keeping water cooler in the hot summer months. Upgraded smooth finish drywall, LED lighting throughout. 8ft solid core shaker interior doors with modern black hardware. Soft close cabinetry, Frigidaire Gallery Appliances, designer tile throughout and quartz counter tops and backsplash. This home is a must see.

31217 N 168th Avenue, Surprise

$679,000

3 Beds ⋅ 2 Baths ⋅ 7098187 MLS ⋅ 2,525 SqFt.

Meticulously maintained extended Stonecrest on hole #14 of Desert Springs GC.2,525sf,3 bedroom (extended primary & bedroom 3 w/bay windows) 2 bathroom split plan with desired 3 car garage.ROOF underlayment,HVAC,HWH replaced.Updated kitchen cabinets with pullouts,backsplash & quartz countertops,2 pantries & R/O.Great rm media wall,surround sound,fireplace.Living/dining room vaulted ceilings. Skylight.Neutral tile & carpet.Central vac,soft water system,laundry room/sink.Primary bedroom suite has door to patio.Jetted tub, shower,2 sinks & walk in closet.Extended patio with built in BBQ,sink,burner & refrigerator.Cool coated driveway,sidewalk,courtyard & patio.Painted 2023.Enjoy the multiple amenities, activities & golf at The Grand Arizona's premier active adult golf community. Natural gas grill replaced 2026, washer dryer replaced 2026,water heater replaced 2025, water softener replaced 2024, driveway/patio/walkway recoated and sealed 2026, house repainted 2023, 16' garage door tuneup 2026, 2020 guest bedroom expansion, roof underlayment replace 2019, heat pumps and air handlers replaced 2017, new carpet 2016, garbage disposal replaced 2016, kitchen rennovation 2016, vacation mailbox installed 2016, dishwasher replaced 2015, irrigation upgrade 2015. Fiber optics line installed.

16438 W Desert Wren Court, Surprise

$790,000

3 Beds ⋅ 3 Baths ⋅ 7097938 MLS ⋅ 2,225 SqFt.

Fall in love with this north-facing cul-de-sac home on an oversized 1/3+ acre lot in a single-story neighborhood. Features: 3 bedrooms, office, 3 baths, 3-car garage, attached pull-through RV garage, extended paver driveway, 10-ft gate & owned solar. Kitchen has granite counters, island & custom pull-out shelving. Dual en-suites offer tiled showers. Private backyard boasts a self-cleaning play pool, waterfalls, spa, Scabos travertine & artificial turf. Enjoy 2 extended covered patios with misters or the detached pergola, all with built-in lighting, ceiling fans & electricity. Gated dog run. Garage is fully insulated with 2 mini-splits, epoxy floors, built-in cabinets & overhead storage. Unfinished side yard has room for an additional garage, workshop, or whatever you can imagine! Enjoy nearby Asante Community Park, playgrounds, walking paths, and sports courts, plus a convenient location near shopping, dining, and Village at Prasada, with easy access to Loop 303 and US 60. Don't miss this opportunity!

24216 N 169th Drive, Surprise

$545,500

4 Beds ⋅ 3 Baths ⋅ 7097924 MLS ⋅ 3,435 SqFt.

Seller is willing to consider up to $15,000 in buyer concessions toward allowable closing costs or an interest rate buydown, subject to lender and loan program guidelines. Imagine stepping into your own Arizona getaway! In this Surprise home, a sparkling self-cleaning saltwater pool with rock waterfall sets the scene for sunny afternoons, while the covered patio invites relaxing evenings under the desert sky. Inside, gather by the fireplace, linger over meals from in the eat-in kitchen, or retreat upstairs to a loft ready for movie nights or a home office. The spacious primary suite offers a soaking tub, separate shower, dual vanities, and walk-in closet. With a 3-car garage, easy-care landscaping, and shopping, dining, and parks nearby, everyday life feels like vacation. Priced to sell!

13849 W Lisbon Lane, Surprise

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Surprise Homes with FHA New Financing

Newest Surprise Homes with FHA New Financing

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