First-Time Home Buyer Arizona | FHA, DPA, 3% Down

First-Time Home Buyer in Arizona

You do not need 20% down. In the East Valley the first-time file is usually FHA at 3.5%, a conventional 3% program, or a down payment assistance stack. Sal shops those against 200+ wholesale lenders instead of one bank overlay.

What usually works

FHA: 3.5% down, more flexible credit, mortgage insurance that can be removed later if you refinance. Conventional 3% down: often cheaper insurance if credit and income are clean. DPA: gift, forgivable, or silent second — the program has to match the property and the occupancy.

East Valley specifics

Mesa and Tempe first-time buyers, Queen Creek new-builds, Gilbert move-up later. Builder incentives are not always cheaper than a brokered loan. Run the payment, the rate, and the concession before you sign with the builder's lender.

Next step

Call or text Sal at (516) 250-1334. Use the down payment assistance calculator or the loan quiz. NMLS 1984347. Estimates only, not a commitment to lend.

Ready for real numbers? Tell me about your situation and I’ll come back with actual numbers — start here. Takes two minutes. More detail in the FHA Loans in Arizona guide. Prefer to talk? Call or text (516) 250-1334, any day, any time. NMLS #1984347.