Surprise Homes with VA Loan New Financing

Surprise Homes with VA Loan New Financing

Welcome to Surprise, Arizona—a vibrant city nestled in the heart of Maricopa County, where modern living meets the charm of the Southwest. With its warm climate, stunning desert landscapes, and a community spirit that welcomes newcomers with open arms, Surprise is an ideal place to call home.

Surprise offers a diverse array of housing options, making it perfect for families, retirees, and everyone in between. One of the standout features of the real estate market here is the availability of homes eligible for VA Loan new financing. This is fantastic news for veterans and active-duty military personnel looking to settle in this thriving community. VA loans offer numerous benefits, including no down payment and competitive interest rates, making homeownership more accessible than ever.

Imagine settling into a beautiful home surrounded by the natural beauty of Arizona’s desert, with access to top-notch amenities such as parks, golf courses, and shopping centers. Surprise is also home to a variety of community events, recreational activities, and a rich cultural scene, ensuring that there’s always something exciting happening just around the corner.

Whether you're drawn to the tranquility of suburban living or the allure of a tight-knit community, Surprise has it all. With the added advantage of VA Loan financing, your dream of homeownership is within reach. Embrace the opportunity to start a new chapter in this dynamic city, where every day offers the promise of adventure and connection. Welcome to your future in Surprise!

Newest Surprise Homes with VA Loan New Financing

3 Beds ⋅ 2 Baths ⋅ 7064572 MLS ⋅ 1,441 SqFt.

INVESTOR DEAL! This one won't last so come check out the beautiful home. Beautiful flooring, cabinets and fixtures - just needs some cleaning and it's move in ready!

17778 W Red Bird Road, Surprise

3 Beds ⋅ 3 Baths ⋅ 7064535 MLS ⋅ 2,506 SqFt.

Step inside this meticulously maintained Marley Park home, where $145,000 in fine builder upgrades greet even the most discernable buyer. Marvel at the premium gourmet finishes of the wide-open kitchen area opening seamlessly to the adjacent great room, ready to host your next gathering. The serene primary bedroom retreat, opens to a luxurious primary bath with huge shower, dual sinks & large walk-in closet with a surprise and extra convenience of a direct access door into the laundry room. Dual large guest bedrooms, tucked away in their own hallway, are connected by a Jack and Jill bath with custom shower. An additional large bonus room off the hallway & kitchen has abundant built in cabinets making the versatile space a potential office or even a formal dining room for entertaining. Imagine unwinding in your private, resort-style backyard oasis, complete with a private pool, water feature, attached heated spa, professional 3 hole putting green, and a fully plumbed paved patio, ready for your dream outdoor kitchen. The large 3 car garages have storage galore and insulated ceilings & exhaust fan to keep the cars cool. From the gleaming owned solar efficiency to the thoughtful designer touches throughout, every inch of this 3+bedroom, 2.5-bath retreat is designed for modern living. With exclusive neighborhood amenities just moments away, homes of this caliber and condition are rarely available. Plan for your own private tour today--this exceptional property is ready for you to make it your home!

14651 W Larkspur Drive, Surprise

4 Beds ⋅ 3 Baths ⋅ 7064519 MLS ⋅ 2,280 SqFt.

HOME INCLUDES A LARGE LIVING/GREAT ROOM WITH WELL APPOINTED KITCHEN & A SEPARATE FAMILY ROOM. UPGRADED FINISHING THROUGHOUT WITH PLENTY OF COMFORTABLE LIVING SPACE. MODERN DESIGN & NEUTRAL COLOR SCHEMES WITH 9FT FLAT CEILINGS. HOME HAS 2 X 6 CONSTRUCTION. NO HOA! 4-WAY SHARED WELL. ENJOY LIVING IN THE ARIZONA DESERT WHILE STILL BEING IN SURPRISE, AZ. JUST A SHORT DRIVE TO THE REST OF THE VALLEY! *UP TO $8,000 TOWARDS BUYER'S CLOSING COSTS INCLUDED*

27152 N 143rd Avenue, Surprise

4 Beds ⋅ 3 Baths ⋅ 7064482 MLS ⋅ 2,136 SqFt.

Beautifully renovated pool home in Surprise with extensive updates inside and out! Located in the growing 85388 area, this home offers convenient access to shopping, dining, recreation and the Loop 303 corridor. Enjoy nearby parks and outdoor amenities, along with Surprise Stadium, golf, and the expanding Prasada shopping and entertainment area. Inside, the refreshed interior features new LVP flooring and carpet, fresh interior paint, new baseboards and trim, updated doors and hardware, plus updated lighting and ceiling fans. The renovated kitchen showcases quartz countertops, refinished cabinetry with new hardware, an undermount stainless steel sink, updated faucet, recessed LED lighting and stainless steel appliances. Refreshed Bathrooms. See supllemental remarks for more details. Beautifully renovated pool home in Surprise with extensive updates inside and out! Located in the growing 85388 area, this home offers convenient access to shopping, dining, recreation and the Loop 303 corridor. Enjoy nearby parks and outdoor amenities, along with Surprise Stadium, golf, and the expanding Prasada shopping and entertainment area. Inside, the refreshed interior features new LVP flooring and carpet, fresh interior paint, new baseboards and trim, updated doors and hardware, plus updated lighting and ceiling fans. The renovated kitchen showcases quartz countertops, refinished cabinetry with new hardware, an undermount stainless steel sink, updated faucet, recessed LED lighting and stainless steel appliances. Bathrooms have been refreshed with updated fixtures, lighting, mirrors, faucets and resurfaced tub/shower surrounds. Additional improvements include a new AC unit along with numerous electrical and general updates throughout. Step outside to refreshed landscaping and a renovated swimming pool featuring new PebbleTec, an updated pool deck, new pool light, sand filter and pump. Extensive improvements combined with a desirable Surprise location make this home a must-see! List of Improvements: " HVAC: Replace existing air-conditioning unit with a new unit. " Landscaping: Complete landscaping cleanup, tree/vegetation removal, and general exterior landscape improvements. " Swimming Pool: Refinish pool with new PebbleTec; patch and paint pool deck; install new pool light fixture; replace sand filter and pool pump. " Interior Doors & Hardware: Replace missing/damaged interior doors and closet doors; install new door knobs, hinges, stops, deadbolts, and related hardware; service sliding glass door track and wheels. " Lighting & Electrical: Install new ceiling fans, interior and exterior light fixtures, recessed kitchen lighting, switches, outlets, junction boxes, GFCI outlets, and cover plates; replace miscellaneous bulbs and fixtures as needed. " Garage: Paint garage walls and ceiling; remove existing cabinet; power wash and clean garage floor; install new fire-rated prehung solid exterior door. " Laundry Room: Install new light fixture and washer drain pan. " Master Bathroom: Refinish/paint vanity cabinetry; install new cabinet hardware, vanity lighting, framed mirror, toilet seat, faucet, and shower valve trim; resurface tub/shower surround; remove medicine cabinet and repair drywall. " Downstairs Half Bathroom: Remove existing vanity, lighting, and mirror; install new pedestal sink, vanity light, framed mirror, toilet seat, and faucet. " Upstairs Bathroom: Refinish/paint vanity cabinetry; install new cabinet hardware, lighting, framed mirror, toilet seat, faucet, and shower valve trim; resurface tub/shower surround; remove medicine cabinet and repair drywall. " Kitchen Renovation: Repair/replace missing cabinet components; paint/refinish cabinetry and install new hardware; modify island to cabinet height; relocate electrical/plumbing as necessary; install new 2 cm quartz countertops with backsplash; install new undermount stainless-steel sink and faucet; install recessed LED lighting; reconnect existing garbage disposal and plumbing. " Flooring: Prepare existing concrete flooring and install new LVP throughout downstairs, upstairs laundry closet, and bathrooms; install new carpet and pad on stairs, upstairs hallway, loft, bedrooms, and bedroom closets. " Baseboards & Trim: Install new 4-inch flat baseboards throughout the home and repair damaged door trim. " Interior Painting: Paint the interior throughout, including eggshell-finish walls, flat ceilings, and semi-gloss baseboards, doors, and trim. " General Repairs & Safety Improvements: Install new smoke detectors and electronic keypad front-door lock; replace/update outlets, switches, plates, and GFCIs; remove satellite dish, loose wiring/cables, repair/refinish exterior gates. " Debris Removal/Demolition: Remove personal property, debris, and existing flooring as required in preparation for renovation. " Appliances: Install new stainless-steel kitchen appliances, including replacement range.

17514 W Boca Raton Road, Surprise

3 Beds ⋅ 3 Baths ⋅ 7064454 MLS ⋅ 2,764 SqFt.

Experience elevated Arizona living in desirable Surprise Farms! This beautifully maintained home offers a private resort-style backyard featuring a heated pool with slide & spa, outdoor kitchen with KokoMo grill, bar-top fire pit, gazebo, misters and a putting green. New landscaping, gutters, sun shades and storage shed enhance the outdoor experience. Inside, a desirable split floor plan offers a beautifully updated primary bath and laundry room, dedicated office and fresh paint throughout. The 3-car garage features a mini-split AC and new epoxy flooring. 18'' of added insulation throughout the home, a new water heater and solar provide exceptional energy efficiency and low utility costs. A thoughtfully upgraded home designed for both everyday comfort and effortless entertaining!

18458 W Marconi Avenue, Surprise

4 Beds ⋅ 3 Baths ⋅ 7064343 MLS ⋅ 2,110 SqFt.

SPECIAL LOW-RATE financing, limited time & appliance move-in package with blinds this weekend only! Beautiful home has four bedrooms, and three full baths, really spacious. Entertaining will be fun in this kitchen, a huge island with breakfast bar, large walk-in pantry, white cabinets, quartz countertops, single bowl sink, stylish backsplash. Upgraded electrical options, pendant light prewires, plank wood look tile, 4'' baseboards make the home look amazing. Bathrooms include quartz counters, primary bath has walk in shower and huge closet, linen closet, dual sinks. A big back patio too! Great community amenities including pool, kid's splash pad, basketball, great lawn, dog parks and more!

18348 W Villa Hermosa Lane, Surprise

3 Beds ⋅ 2 Baths ⋅ 7064320 MLS ⋅ 1,352 SqFt.

Welcome home to this beautifully updated Surprise gem, ideally located close to shopping, dining, parks, entertainment, and everything the city has to offer. Featuring a BRAND NEW HVAC system with a smart thermostat, this move in ready home combines comfort, efficiency, and style. The updated kitchen and bathrooms offer modern finishes, while stunning porcelain tile flooring flows throughout the entire home for a clean and cohesive look. The spacious primary suite includes a private exit to the backyard, creating the perfect retreat for enjoying Arizona mornings and evenings. Step outside to an extended covered patio overlooking a large backyard that borders a school, providing added privacy with no immediate rear neighbors. Whether you're entertaining guests, relaxing outdoors or looking for room to play, this backyard delivers. With thoughtful upgrades throughout, a functional floor plan, and a prime location in the heart of Surprise, this home is an exceptional opportunity for first time buyers, downsizers, or anyone seeking a low maintenance lifestyle with modern updates.

15558 N 136th Lane, Surprise

3 Beds ⋅ 2 Baths ⋅ 7064307 MLS ⋅ 1,610 SqFt.

Seller Incentive up to $26,399 that can be used for closing costs and rate buy down with preferred lender. Beauty with three bedrooms plus a flex room great for office! Garage door is 8' with Smart garage door opener. Split primary bedroom with large walk-in closet, dual sinks. Separate dining area for family dinners. Entertainer's kitchen with brown cabinets, matte black hardware & fixtures, island with breakfast bar, upgraded faucet, single bowl sink, beautiful quartz countertops, GE stainless steel appliances with gas range. Energy efficient, Smart Home. Upgraded 8''x36'' tile throughout except bedrooms & closets. Upgraded electrical package, added 8' interior doors, soft water loop

25215 N 155th Drive, Surprise

3 Beds ⋅ 2 Baths ⋅ 7064209 MLS ⋅ 1,782 SqFt.

A home this new with a 4.0% assumable VA loan is an opportunity that's becoming increasingly rare. Eligible VA buyers can take advantage of assuming the seller's existing low-interest VA loan--offering significant savings compared to today's market rates. Built in 2022, this beautifully maintained 3-bedroom, 2-bath home offers 1,782 square feet of thoughtfully designed living space in the desirable North Copper Canyon community. The bright, open-concept floor plan is filled with natural light and seamlessly connects the great room, dining area, and kitchen--creating a space that's equally suited for everyday living and entertaining. The kitchen combines style and functionality with granite countertops, rich Maple Truffle cabinetry, stainless steel appliances, a spacious center island, and a pantry for additional storage. The refrigerator conveys, making move-in even easier. The split-bedroom layout provides added privacy, while the spacious primary suite offers a generous walk-in closet, dual vanities, and an upgraded super shower designed for comfort and relaxation. Additional features include smart home technology, a reverse osmosis system, water softener, overhead garage storage shelving, and laundry room shelving that all convey with the home. Step outside to a covered patio overlooking a low-maintenance backyard that's ready for your personal vision. With no direct rear neighbors, you'll enjoy a greater sense of openness and the flexibility to create the outdoor retreat you've always imagined. Located within walking distance of Canyon Park, residents enjoy exceptional community amenities including playgrounds, pickleball courts, basketball courts, dog parks, picnic areas, walking paths, expansive green spaces, bocce ball courts, horseshoe pits, and gathering areas that make it easy to enjoy Arizona living. Skip the construction timeline, avoid the added expense of finishing a new-build backyard, and take advantage of a financing opportunity that's difficult to find in today's market. This is more than a move-in-ready home, it's a smarter way to buy.

17837 W Country Club Terrace, Surprise

4 Beds ⋅ 3 Baths ⋅ 7064175 MLS ⋅ 2,354 SqFt.

Come see this move-in ready 4-bedroom, 2.5-bath home with a functional two-story layout and a large backyard with plenty of room to make it your own. Located in the growing Northwest Valley near major development and future projects. Ask about the opportunity to assume the seller's existing mortgage at a 3.875% interest rate, subject to lender approval and buyer qualification. Priced to sell--come see why!

17145 W Straight Arrow Lane, Surprise

3 Beds ⋅ 3 Baths ⋅ 7064128 MLS ⋅ 1,742 SqFt.

Fully furnished, move-in ready, and packed with modern convenience! This beautifully appointed 2-story home offers 3 bedrooms, 3 baths, and a well-designed floor plan in a desirable Surprise community surrounded by stunning mountain views. The stylish interior features 12x24 modern tile flooring, elegant quartz countertops, rich maple cabinetry, and a spacious upstairs primary suite complete with a walk-in closet. Smart-home features add an extra level of comfort and convenience, with smart control for the garage door opener, thermostat, and front entry, allowing you to easily manage key features of the home right from your device. Ideally located with easy access to shopping, dining, and outdoor recreation. Residents also enjoy exceptional resort-style amenities including a clubhouse, swimming pool, lap pool, fitness center, and more. With beautiful furnishings, thoughtful upgrades, smart-home convenience, and an unbeatable setting, this home is ready to welcome you!

24629 N 164th Drive, Surprise

5 Beds ⋅ 3 Baths ⋅ 7064118 MLS ⋅ 3,675 SqFt.

Modern Living Meets Flexible Space in the Heart of Surprise! Welcome home to this beautifully updated 5-bedroom, 3-bathroom residence offering the perfect blend of style, functionality, and room to grow. From the moment you arrive, you'll appreciate the inviting curb appeal, charming front porch, and spacious 3-car garage. Step inside to discover a bright, open floor plan featuring designer gray tones, wood-look tile flooring, and abundant natural light throughout. The heart of the home is the stunning kitchen, complete with white quartz countertops, an oversized center island, gray shaker cabinetry, stainless steel appliances, a gas range, a subway tile backsplash, a pantry, and plenty of prep space ideal for entertaining or everyday living. The expansive great room flows seamlessly into the dining area and overlooks the backyard, creating the perfect gathering space for family and friends. A downstairs bedroom and full bathroom provide an ideal setup for guests, multigenerational living, or a private home office. Upstairs, you'll find a spacious loft that offers endless possibilities as a media room, game room, fitness area, or playroom. The generously sized secondary bedrooms provide flexibility for every lifestyle, while the primary suite serves as a peaceful retreat with ample space to unwind. Enjoy Arizona living in the low-maintenance backyard featuring a covered patio and lush green lawn--perfect for BBQs, kids, pets, or simply relaxing outdoors. Additional highlights include: 5 Bedrooms | 3 Full Bathrooms Spacious upstairs loft 3-car garage Quartz countertops Large kitchen island Stainless steel appliances Gas cooktop/range Gray shaker cabinetry Wood-look tile flooring Neutral designer color palette Downstairs bedroom & full bath Covered patio Low-maintenance landscaping Conveniently located near parks, shopping, dining, schools, and easy freeway access, this move-in-ready home offers the space, upgrades, and lifestyle today's buyers are searching for. Welcome to your next chapter in Surprise!

14251 W Banff Lane, Surprise

Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.