First-time buyers · Arizona
Ginny has helped buyers across the Valley for years — Phoenix, Mesa, Tempe, Chandler, Gilbert, Buckeye, Maricopa and Fountain Hills — and is licensed statewide, from Tucson to Flagstaff. Here is how buying works in Arizona, what help exists, and what to do first.
Where buyers are looking in Arizona
Licensed statewide in Arizona — these are just the areas that come up most. Any address in Arizona works.
Down payment help in Arizona
HOME+PLUS is Arizona's statewide down payment assistance program, run by the Arizona Industrial Development Authority. It pairs a 30-year fixed first mortgage — conventional, FHA, VA or USDA — with down payment and closing cost assistance for eligible buyers, and there is no first-time buyer requirement. Income and credit guidelines apply, and a homebuyer education course is required. Buyers in Maricopa County can also look at the Home in Five program.
Ginny · Mortgage Loan OriginatorBuying in Arizona, specifically
Arizona property taxes are among the lowest in the country, which helps the payment — but a large share of Valley homes sit in an HOA, and the dues count in your qualifying payment. Ginny pulls both the real tax figure and the dues for any address before you write.
In the desert, the air conditioner and the roof are the two systems that decide whether a house is a bargain or a project. Build inspection contingencies into the offer and check the age of both — Ginny and your agent coordinate so the financing timeline matches the inspection timeline, even in July.
Maricopa, Casa Grande, San Tan Valley and the communities ringing the metro are where a lot of first homes get bought — and some of them are USDA-eligible, which means $0 down for eligible buyers. If you are flexible on commute, the map is worth a look. Ginny checks any address in seconds.
Loan programs for Arizona first-time buyers
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →$0 down for homes in eligible smaller communities across Colorado and Arizona — far more towns qualify than buyers expect.
Learn more →Colorado and Arizona both have real down payment help — CHFA and Arizona IDA programs can put thousands toward your down payment and closing costs.
Learn more →Six myths busted and the six-step path from first text to keys — the page to read before anything else.
Start here →How it works from Monument
Text, phone, video, secure document upload, and a closing at a title company near you. Your real estate agent and Ginny talk directly at every milestone — offer-day numbers in minutes and a call to every listing agent included.
Timing varies by file and depends on receiving complete documentation. Turnaround figures are typical, not guaranteed. This is not an offer to enter into an agreement; not all customers will qualify. Rates, programs and terms are subject to change. All loans subject to credit and property approval.
Arizona first-time buyer questions
Arizona first-time buyers can use conventional loans with as little as 3% down, FHA with 3.5% down, VA or USDA with $0 down for eligible buyers, and the Arizona IDA HOME+PLUS program, which pairs a first mortgage with down payment and closing cost assistance. Maricopa County buyers can also look at Home in Five.
As little as 3% on a conventional loan, 3.5% on FHA, or $0 on VA and USDA loans for eligible buyers. HOME+PLUS assistance may cover some or all of the down payment and closing costs for eligible households.
Buyers who meet the program's income and credit guidelines, will live in the home and complete a homebuyer education course. There is no first-time buyer requirement. Ginny checks eligibility as part of pre-approval.
Yes. Ginny Grant holds Arizona Loan Originator license LO-0941518 (NMLS #1443782) and works with Arizona buyers remotely from Fairway Home Mortgage's Monument, CO branch — text, phone, video, secure document upload and a closing at a title company near you.
Arizona buyers
After that it's just a conversation. Text Ginny what you're wondering about buying in Arizona — tonight is fine.
Applications happen on Fairway's secure site — never here.
