First-Time Home Buyer Guide in Arizona

Buying your first home in Arizona can feel overwhelming—but with the right guidance, it becomes a smooth and exciting process.

What Do You Need to Buy a Home?

  • Steady income
  • Credit score (varies)
  • Down payment (as low as 0–3.5%)

Best Loan Options

  • FHA loans (3.5% down)
  • Conventional loans (as low as 3%)
  • VA loans (0% down for eligible buyers)

Explore loan programs:
https://www.joehansenmortgage.com/loan-programs

Down Payment Help in Arizona

Many buyers qualify for assistance programs that reduce upfront costs.

Learn more:
https://www.joehansenmortgage.com/down-payment-assistance

Why Pre-Approval Matters

  • Know your budget
  • Strengthen your offer
  • Move faster

Get pre-approved:
https://www.joehansenmortgage.com/apply

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