First Time Home Buyers Archives - Home Sweet Loans | Christian Wohl

Down Payment Assistance in Mesa and Gilbert, Arizona: What’s Actually Available in 2026?

homesweetloansaz — Tue, 18 Aug 2026 21:52:40 +0000

You probably need less than you think to get here.

Mesa and Gilbert homebuyers have access to several down payment assistance programs through the state of Arizona and Maricopa County, including statewide programs that offer up to 5% of the loan amount in assistance. These programs can be combined with low-down-payment mortgages like FHA (3.5% down), Conventional (as little as 3% down), or VA (0% down for eligible veterans), often allowing buyers to close with as little as 0 to 2% of their own money out of pocket. Eligibility depends mainly on income limits, credit score, and using an approved lender. Program availability and terms change periodically, so buyers should verify current details with a local mortgage broker before making a plan.

The Down Payment Myth That Costs First-Time Buyers Their Shot

The single most damaging myth in home buying is the belief that you need to save 20% for a down payment. It is not true, it has not been true for decades, and holding onto it is one of the biggest reasons Mesa and Gilbert renters spend years watching prices climb while they save toward a number they never actually need.

Most first-time buyers put down significantly less than 20%. And with the right combination of a low-down-payment loan and a down payment assistance program, many East Valley buyers are able to get into a home with almost nothing coming out of their own savings.

Here is what is actually available in Arizona right now.

The Loan Programs That Set the Baseline

Before we even talk about assistance programs, understand the base loan options. Each has its own minimum down payment.

FHA loans require just 3.5% down for buyers with a credit score of 580 or higher. On a $400,000 Mesa home, that is $14,000. FHA loans are flexible on credit history and are one of the most common paths for first-time buyers.

Conventional loans can work with as little as 3% down for eligible first-time buyers through programs like HomeReady and Home Possible. Credit and income requirements are stricter, but for buyers who qualify, this route can be less expensive over time because mortgage insurance drops off once you reach 20% equity.

VA loans require 0% down for eligible veterans, active duty service members, and qualifying surviving spouses. No mortgage insurance either. Arizona has a significant veteran population, and this program is often underutilized simply because eligible buyers do not realize they qualify.

USDA loans allow 0% down in eligible rural areas. Some outer parts of Maricopa County still qualify, though most of the Mesa and Gilbert metro area does not. Interested in USDA loans? Check this site for eligible areas and whether a home you like is eligible.

Stack the right loan with the right assistance program and the math changes completely.

The Down Payment Assistance Programs Layered On Top

Down payment assistance (DPA) is money provided (as a grant, forgivable second lien, or deferred loan) to help buyers cover the down payment and often part of the closing costs. Arizona has several strong DPA programs.

Statewide and Federal Grant programs typically offer up to 5% of the loan amount in assistance. Some are structured as a forgivable second lien that goes away at closing or after a certain number of payments. Others are a deferred loan that comes due only when you sell or refinance. The exact structure depends on the program you use and your lender.

Maricopa County-specific programs are also available for Mesa, Gilbert, Queen Creek, Chandler, and other East Valley cities. These often provide additional assistance beyond what statewide programs offer.

Enhanced programs for specific professions exist for teachers, first responders (police, fire, EMT), healthcare workers, and military members. These often provide larger assistance amounts or more favorable repayment terms than the general public receives.

Because program availability, funding levels, and terms can change (some programs pause when funding runs low and resume when it is replenished), the best way to know what is currently available for your situation is a quick conversation with a local mortgage broker who works with these programs regularly.

Stacking It All Together

Here is what makes DPA in Arizona genuinely powerful: you can stack it.

Consider a Mesa buyer purchasing a $400,000 home. With an FHA loan requiring 3.5% down, that is $14,000. If they qualify for 5% down payment assistance on that loan, that provides $14,000 in assistance (5% of the loan amount).

The result: the buyer’s own down payment could effectively be $0. And in many cases, the same DPA program can also contribute toward closing costs, further reducing the cash the buyer needs to bring to the table.

That is a dramatically different picture than “we need to save $80,000 before we can even think about buying.”

Down payment assistance is not the only way to reduce the buyer’s upfront burden. When a seller is motivated, it is also worth comparing a price reduction with a seller credit. Here is how to decide whether a $25,000 seller credit or price reduction creates the better result.

The Income Limits Are Higher Than You Think

The most common reason qualified Mesa and Gilbert buyers do not use DPA is that they assume they earn too much. In most cases, they are wrong.

Income limits for Arizona DPA programs vary by program and by household size, but they are set to accommodate working households. Dual-income couples in the East Valley making a combined six-figure income often still qualify. Household income limits are typically calculated on gross income, and some programs allow higher limits for larger families or specific geographies.

The only way to know for sure is to check. Assuming you make too much is often very expensive. Want to know if you can qualify – book a 15-minute call here.

Frequently Asked Questions

Do I have to pay down payment assistance back? It depends on the program. Some Arizona DPA is structured as a forgivable second lien that disappears at closing or after a set number of years. Others are deferred loans repaid when you sell or refinance. A few programs offer outright grants. Your mortgage broker can tell you the exact structure of any program you are considering.

Can I use down payment assistance with any type of loan? Most Arizona DPA programs work with FHA, VA, USDA, and Conventional loans. Some programs are more flexible than others. Your loan program and DPA program have to be compatible, which is why working with a lender who knows how to combine them properly matters.

Is there a minimum credit score for down payment assistance in Arizona? Yes. Most programs require a minimum credit score in the 640 to 680 range, though some allow lower scores. This is often higher than the base loan program’s minimum, which is why credit prep before applying for DPA matters.

Do I have to be a first-time home buyer to qualify? Many DPA programs are marketed to first-time buyers, but “first-time buyer” is often defined as “someone who has not owned a home in the past three years.” That means people who owned before and have been renting again may still qualify.

How long does it take to close on a home with down payment assistance? About the same as a standard loan, 30 days. Well-organized DPA programs add minimal time to a purchase closing, often just a few extra days for documentation. Your lender’s experience with these programs is what determines whether your close goes smoothly.

Fifteen minutes of math can turn “someday” into a moving day.

The Bottom Line

If you have been sitting out the Mesa or Gilbert housing market because of the down payment, you owe it to yourself to actually check what you qualify for. The gap between what most buyers believe they need and what they actually need to buy a home in Arizona is often the difference between “someday” and “this year.”

Ready to find out what you’d actually qualify for? I am here in the East Valley and happy to walk through your specific numbers, credit picture, and income situation to tell you exactly which programs fit. No pressure, no pitch, just an honest answer.

Home Sweet Loans | Christian Wohl, Certified Mortgage Advisor | NMLS #2043242
Barrett Financial Group LLC | NMLS #181106 | sweetloans.net
Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval.

The post Down Payment Assistance in Mesa and Gilbert, Arizona: What’s Actually Available in 2026? appeared first on Home Sweet Loans | Christian Wohl.

Down Payment Assistance Programs in Arizona: 2026 Complete Guide

homesweetloansaz — Wed, 20 May 2026 21:26:01 +0000

Arizona buyers have access to powerful down payment assistance programs that make homeownership possible sooner than most expect.

One of the most common reasons first-time buyers in Arizona put off purchasing a home isn’t credit. It isn’t income. It’s the down payment. The assumption that you need thousands of dollars saved before you can even start the process keeps a lot of qualified buyers on the sidelines longer than necessary.

Here’s what most of those buyers don’t know: Arizona has some of the strongest down payment assistance programs in the country — and many of them can be layered directly on top of FHA, VA, USDA, and conventional loans to dramatically reduce what you need to bring to closing.

This guide covers every major program available to Arizona buyers in 2026 — what each one offers, who qualifies, and how to use them.

What Is Down Payment Assistance?

Down payment assistance — commonly called DPA — refers to programs that provide funds to help homebuyers cover the down payment and sometimes closing costs on a home purchase. These programs are offered by state agencies, local governments, nonprofit organizations, and private lenders.

Assistance typically comes in one of two forms:

Grant: Money that does not need to be repaid. Free funds applied directly to your down payment or closing costs.

Second Mortgage / Forgivable Loan: A second loan that either carries no interest and is forgiven after a set period — often three to five years — or a low-interest loan that must be repaid when you sell or refinance.

The availability, terms, and income limits of these programs change regularly. New programs enter the market, funding windows open and close, and eligibility requirements shift. Part of what I do as your broker is actively monitor this landscape so that when you’re ready to buy, we’re looking at every option available — not just the ones from six months ago.

Arizona Down Payment Assistance Programs for 2026

Arizona offers multiple down payment assistance programs in 2026 — many of which can be layered with FHA, VA, USDA, and conventional loans.

1. Home Plus Program — Arizona Department of Housing

What it offers: A grant or forgivable second mortgage of 3%, 4%, or 5% of the loan amount to cover down payment and closing costs. On a $350,000 home with a 5% assistance grant, that’s $17,500 toward your down payment.

Loan types: Works with FHA, VA, USDA, and Conventional (Fannie Mae and Freddie Mac) loans.

Who qualifies:

Minimum credit score of 620
Annual household income at or below the program limit (varies by county — typically around $122,100 for most Arizona counties in 2026)
Must be a primary residence purchase
Must complete a homebuyer education course
Available to both first-time and repeat buyers

Why it’s significant:

The Home Plus program is one of the most widely used DPA programs in Arizona because it’s statewide, flexible across loan types, and doesn’t require repayment in most cases. It’s often the first program we look at for qualifying buyers.

More information: Visit azhousing.gov for current program guidelines and income limits.

2. Pathway to Purchase — Arizona Department of Housing

What it offers: Up to $20,000 in down payment and closing cost assistance as a silent second mortgage — meaning no monthly payments are required.

Loan types: Works with FHA, VA, USDA, and Conventional loans.

Who qualifies:

Available in specific eligible zip codes — primarily targeting areas experiencing revitalization
Parts of the Phoenix Metro and East Valley qualify — worth checking your target neighborhood
Income limits apply — typically at or below 80% of the area median income
Must be a primary residence purchase
Homebuyer education required

Why it’s significant:

The $20,000 assistance level is the highest available through any Arizona state program. For buyers purchasing in an eligible zip code, this can cover the entire down payment on many Phoenix Metro price points.

Important note: This program is zip-code specific. Not every area qualifies — confirming eligibility on your target neighborhood before building your strategy around this program is essential.

3. Chenoa Fund

What it offers: A second mortgage that covers the 3.5% FHA down payment requirement — meaning qualified buyers can potentially close on a home with little to nothing out of pocket. Available in two structures:

Repayable option: A second mortgage at a low interest rate, repaid over time
Forgivable option: The second mortgage is forgiven after 36 months of on-time payments on the first mortgage — for buyers at or below 115% of the area median income

Loan types: Works specifically with FHA loans.

Who qualifies:

Available statewide in Arizona
No first-time buyer requirement
Income limits apply for the forgivable option
Minimum credit score typically 620

Why it’s significant:

The Chenoa Fund is a national program with strong availability in Arizona. For buyers who are short on savings but qualify on income and credit, this is one of the most powerful zero-out-of-pocket pathways to homeownership available.

4. Hoper Program

What it offers: Down payment and closing cost assistance that can be paired with FHA financing to bridge the gap for eligible buyers.

Who qualifies:

Specific income and property location requirements apply
Available in qualifying Arizona markets
Must be a primary residence purchase

Why it’s significant:

The Hoper program is one of several assistance options that I actively monitor for availability and eligibility updates. For buyers who don’t qualify for the larger state programs, niche programs like Hoper can provide meaningful assistance that makes the difference.

5. VA Loans — No Down Payment Required

What it offers: If you’re an eligible veteran, active duty service member, or surviving spouse — this is your most powerful tool and it doesn’t require any down payment assistance program at all. VA loans are zero down by design.

Who qualifies:

Eligible veterans, active duty service members, National Guard and Reserve members, and surviving spouses
Certificate of Eligibility required
Primary residence only

Why it’s significant:

Veterans who qualify for a VA loan should exhaust this benefit before layering in DPA programs. Zero down, no mortgage insurance, and competitive rates — no assistance program comes close to what the VA loan already provides on its own.

If you’re a veteran and you’re also in a Home Plus eligible income bracket, in some cases these programs can complement each other — ask your broker to run both scenarios.

6. USDA Loans — Zero Down in Eligible Arizona Areas

What it offers: Zero down payment for buyers purchasing in eligible rural and suburban areas. USDA loans are government-backed and come with below-market interest rates and lower mortgage insurance costs than FHA.

Who qualifies:

Property must be in a USDA-eligible area — Queen Creek, San Tan Valley, Maricopa, parts of the East Valley, and many suburban Arizona communities qualify
Income limits apply — designed for low-to-moderate income households
Minimum credit score of 640 for streamlined processing
Primary residence only

Why it’s significant:

Many buyers are surprised to learn that parts of the Phoenix Metro qualify for USDA financing. For buyers in eligible areas who don’t have VA benefits, this is the strongest zero-down option available — and it can sometimes be combined with certain DPA programs for closing cost assistance.

7. Local and County Programs

In addition to statewide and national programs, Maricopa County and individual cities within the Phoenix Metro occasionally offer their own assistance programs. These have included:

City of Mesa homebuyer assistance programs
City of Phoenix down payment assistance
City of Gilbert and other East Valley municipalities

These programs tend to have limited funding windows and specific eligibility requirements. They can sometimes be layered on top of state and national programs for additional benefit. Availability changes frequently — confirming what’s currently active in your target city is something your broker should check before you start your home search.

Many East Valley communities including Queen Creek, San Tan Valley, and Maricopa qualify for USDA zero-down financing — surprising many buyers who assumed the program was only for rural areas.

Can You Stack Multiple Programs?

In some cases, yes. Certain DPA programs can be combined — for example, a Home Plus grant layered with an FHA loan, or a USDA loan paired with a closing cost assistance program. However, not all programs allow stacking and the rules around combination vary by lender and program guidelines.

This is one of the most important reasons to work with a broker who actively monitors the DPA landscape rather than a lender who only offers one or two programs. The right combination for your situation depends on your income, credit, the property you’re buying, and the specific program availability in your area — all factors that need to be evaluated together.

What Else You Should Know Before Applying

Homebuyer education is typically required. Most DPA programs require completion of a HUD-approved homebuyer education course. These are typically available online, take a few hours to complete, and are either free or low-cost. This requirement is worth completing early — it can’t slow down your transaction if it’s already done.

Income limits are household limits. When a program says income limits apply, that typically means the combined income of all adults in the household, not just the borrower on the loan. Make sure you’re calculating this correctly before assuming you qualify.

Programs can run out of funding. DPA programs operate on allocated funding, and popular programs can exhaust their funds before the end of a program year. If you’re planning to buy in 2026 and there’s a program you want to use, don’t wait. Funding windows close — sometimes quickly.

Pre-approval comes first. To know which programs you actually qualify for, you need to know your credit score, income, and the loan amount you’re eligible for. The right starting point is always a pre-approval conversation — from there we can map your DPA options clearly.

The Bottom Line

The down payment is one of the most common barriers to homeownership in Arizona, but it doesn’t have to be an insurmountable one. Between state programs, national programs, and zero-down loan options, there are more paths to the closing table than most buyers realize.

Helping buyers understand and access these programs is one of the most rewarding parts of what I do. I stay current on program availability, income limits, and new programs as they enter the market — because knowing what’s available right now can change everything for a buyer who thought they weren’t ready.

If you’re a first-time buyer in Arizona and you’re not sure whether you qualify for down payment assistance — let’s find out together.

Home Sweet Loans | Christian Wohl, Certified Mortgage Advisor | NMLS #2043242
Barrett Financial Group LLC | NMLS #181106 | sweetloans.net
Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval.

The post Down Payment Assistance Programs in Arizona: 2026 Complete Guide appeared first on Home Sweet Loans | Christian Wohl.

Why Pre-Approval Is Your Secret Weapon in Arizona’s Competitive Spring Market

homesweetloansaz — Thu, 12 Mar 2026 22:01:27 +0000

Why Pre-Approval Is Your Secret Weapon in Arizona’s Competitive Spring Market

If you’ve been sitting on the sidelines waiting for the “right moment” to buy a home in Arizona, that moment may be closer than you think. Mortgage pre-approval in Arizona is the single most important step you can take before entering this spring 2026 market — and most buyers wait too long to get it. The market now offers a rare combination of more choices, softer prices, and mortgage rates trending lower. To take advantage of all of it, you need to be ready before you fall in love with a home.

The Arizona Market Has Shifted in Buyers’ Favor

Let’s talk about what’s actually happening on the ground in Arizona right now. Active listings across the state sit at around 45,000 homes — up nearly 5% year-over-year and well above pre-pandemic levels. Buyers have real options. You’re not competing over one of three available homes in a neighborhood. Instead, you’re choosing from a full menu.

Sellers know it too. Over 28% of Arizona homes have already seen price reductions, and the average sale-to-list price ratio has dipped to 97.5%. Buyers now win concessions on price, closing costs, and repairs that simply weren’t available during the frenzied peak years.

Median home prices in the Phoenix metro hover around $445,000 — roughly flat year-over-year. That stability is actually good news. History shows that buyers who enter a stabilizing market tend to build equity steadily over the following years. This market has found its floor without crashing. According to the National Association of Realtors, buyers who purchase during periods of market stabilization consistently outperform those who wait for a perceived bottom.

Mortgage Rates Are Near a 3-Year Low — And That Changes Everything

After peaking above 7% in 2023, mortgage rates have stabilized in the low-to-mid 6% range — a meaningful improvement that has rebuilt buyer confidence throughout the Valley. Economists at the National Association of Realtors suggest rates could ease toward 6.1% as 2026 progresses, with some Arizona-focused analysts calling for rates in the mid-to-low 5% range by mid-year.

Here’s what that difference means in real dollars. On a $445,000 purchase with 10% down, dropping from a 7% rate to a 6.1% rate saves roughly $230 per month. That’s real money — and it’s available right now.

Don’t Wait for the Perfect Rate

Rates move fast and don’t wait for buyers to feel ready. Stability matters more than direction — buyers who act during stable rate periods consistently fare better than those who try to time the perfect dip. Getting your Arizona mortgage pre-approval locked in now keeps you ready to move quickly when the right home appears.

Mortgage Pre-Approval in Arizona: Why It Matters So Much Right Now

Even in a buyer-friendly market, well-priced homes in desirable Arizona neighborhoods still move quickly. In Scottsdale, the median days on market sits around 60 days for broader inventory. A well-located, properly priced home in a great school district? Gone in days.

Submitting an offer without a pre-approval letter signals uncertainty to sellers. Walking in pre-approved tells them: “I’ve already done the work. I’m a serious buyer, and I can close.” In a market where sellers still receive multiple offers on desirable properties, that credibility can be the difference between getting the home and getting the call that you lost it.

Getting pre-approved also gives you a realistic picture of your budget before you fall in love with something out of reach. Documentation and credit issues surface early — when there’s still time to fix them. Closing timelines move faster too, which sellers appreciate and buyers can use as a negotiating tool.

A Story I’ve Lived Too Many Times

The numbers above matter. Buying a home has never really been about numbers alone, though. It’s about finding the place where your life happens — where your kids grow up, holiday dinners take place, and memories form. That emotional connection is real and powerful. Which is exactly why the story below hits hard every time it plays out.

“The House Was Already Gone.”

Dozens of borrowers have called me at the last minute asking for a pre-approval. By the time the process finished, the home they wanted was already under contract.

Each of them had done everything right — in their minds. Weeks, sometimes months of online searching, bookmarking listings, and studying neighborhoods. Patient. Thorough. Then one day, the perfect house appeared. So they called me.

The problem? Another buyer had already secured pre-approval and moved to the front of the line. My client, as emotionally ready as they felt, wasn’t ready on paper.

Getting Your Arizona Mortgage Pre-Approval Is Simpler Than You Think

Hearing the dejection in someone’s voice when they find out a house is gone ranks among the hardest parts of this job. A couple of hours and a little preparation would have changed everything.

Here’s the practical reality: pre-approval typically takes just a few hours when you’re organized. The approval stays valid for 90 days, giving you a full season to shop with confidence. At the end of those 90 days, refreshing your documents — updated pay stubs, bank statements, and a quick credit re-pull that does not drop your score — extends your approval for another 90 days.

The documents aren’t complicated: recent tax returns, W-2s, pay stubs, and bank statements. When you haven’t looked at those files in a year or two, tracking them down under pressure creates stress. Your accountant may need a few days to respond. Your employer’s HR portal might take time to navigate. None of this creates problems when you have time. Each of these delays can become a deal-breaker when you don’t.

Don’t let the home you’ve been waiting for go to someone who simply prepared a little earlier. Invest a few hours now — before the perfect listing hits the market — and you’ll be the buyer who’s ready to say yes.

Arizona’s Economy Keeps Demand Strong

One more reason 2026 is a compelling time to buy in Arizona: the fundamentals driving demand here aren’t going anywhere. Phoenix has become a major hub for semiconductor manufacturing, healthcare, and advanced logistics — industries that attract high-paying, stable jobs and the families that come with them. The Valley consistently ranks among the top destinations for interstate movers, with thousands of new residents arriving each quarter from higher-cost states like California. The Arizona Department of Housing continues to track this sustained population growth as a key driver of long-term housing demand statewide.

Why Arizona Demand Isn’t Going Anywhere

That sustained demand explains why Arizona home prices remain roughly 80% above pre-COVID levels despite recent softening. Experts aren’t calling for any meaningful crash. This isn’t a bubble — it’s a market taking a breath before its next chapter.

Ready to Get Started? Let’s Talk.

Spring buying season moves fast. The best first step — before you tour a single home or browse Zillow for hours — is securing your mortgage pre-approval in Arizona today. If you’re thinking about purchasing a home in the East Valley, Gilbert, Chandler, Mesa, or Scottsdale this spring, let’s make sure you’re the buyer who’s ready when the right home hits the market.

👉 Schedule a free consultation 👉 Learn more about our home loan options 👉 Read our HELOC blog for more home equity strategies

The post Why Pre-Approval Is Your Secret Weapon in Arizona’s Competitive Spring Market appeared first on Home Sweet Loans | Christian Wohl.

Spring Is Home-Buying Season in Arizona! Know These 5 Home Buying Tips To Be Ready.

homesweetloansaz — Sat, 08 Apr 2023 22:57:03 +0000

Getting ready to buy a home can take time and effort. With so many decisions to consider and the constant bombardment of misinformation about the housing market, it’s understandable why so many potential buyers often feel overwhelmed and, many times, just abandon the process and resign a new lease. Don’t be that person! This year is a prime year to get into homeownership for many reasons, and we can help.

This spring season, don’t let the high demand of the residential real estate market cause you stress or prevent you from landing your dream home.

Here are five tips to help you navigate the home-buying process:

Tip #1: Get Pre-Approved

It is essential to get pre-approved before actually doing any shopping. Why? You wouldn’t go Christmas shopping without knowing your budget, would you? You need to know your budget (how much house you can comfortably afford) before you begin shopping. This is especially true during busier times like springtime when homes tend to move faster than usual.

A mortgage professional can give you an idea of how much house you can afford before diving into negotiations with sellers. This will also provide sellers more confidence in your offer since they won’t have to worry about financing falling through later down the line. In fact, in most cases, the seller’s agent will not even engage with you or your agent if you are not pre-approved.

Tip #2: Work With Real Estate Agent Early On

A real estate agent will be an invaluable resource throughout every step of the buying process. They have quick access to listings before they hit major online listings, and they can also explain how the bidding process works.

Agents are true professionals that bring a wealth of experience to the process and will guide you through the experience. They will work closely with you, asking you questions that help them guide them and you toward listings that should make you happy in the end.

Tip #3: Prioritize Your Needs

Before you start shopping, it’s important to know what your priorities are in terms of location, size, and amenities. Create a checklist that ranks these criteria in order of importance, and keep it handy when you begin looking at properties.

That way, if there’s something in particular that is non-negotiable for you and your family, you can quickly determine whether or not a given property meets those requirements without having to go through all its features one by one.

Tip #4: Know Your Numbers

Knowing your numbers is vital in the home buying process—not just in terms of budgeting but also understanding estimated monthly payments, private mortgage insurance payments (if applicable), taxes, etc.

A mortgage professional will be able to walk you through calculations so that you can figure out those numbers accurately and confidently going into negotiations with sellers.

If you do make an offer on a home and are hoping to fast-track the process once it has been accepted, make sure all your paperwork is ready ahead of time—this includes identification documents such as driver’s license or passport, W2s, pay stubs; bank statements; etc.

Once your offer is accepted, things move quickly! Having all your documents ready means less paperwork for both parties involved which makes for smoother transactions overall!

The spring season is traditionally busy for the residential real estate market, so make sure these five tips help guide you through this exciting journey toward becoming a homeowner! Good luck!

Tip#5: Start Early

The best time to plant a shade tree was ten years ago.

The best time to begin planning to purchase your first or move-up home is six months to a year before you would like to move. That may seem like a long time, but in reality, there are many moving parts to these transactions, and it takes planning to make it happen. No doubt you have a busy life. The last thing we want for you is a stressful transaction by trying to prepare you for homeownership if you are not ready in a short window of time. Let us help you plan. Reach out early so we can help you.

These are just some of the items that can complicate a transaction and must be planned for:

Credit score/repair issues
Saving for Down Payment
Finding the Right Home
Timing a move around a lease expiring
Switching Employment

We will help you navigate these challenges and more to help prepare you for homeownership.

Nothing in life happens without a plan.

*Specific loan program availability and requirements may vary. Please get in touch with the mortgage advisor for more information.

The post Spring Is Home-Buying Season in Arizona! Know These 5 Home Buying Tips To Be Ready. appeared first on Home Sweet Loans | Christian Wohl.