For First-Time Buyers
Buying your first home in Mesa? Start here.
First-time home buying comes with a lot of new terms and decisions. Here's what to know going in — no pressure, just straight answers.
You may qualify for more help than you think
Down payments are often the biggest hurdle for first-time buyers — but there are more low- and no-down-payment options available than most people realize.
FHA Loans
Backed by the federal government, FHA loans allow down payments as low as 3.5% and more flexible credit requirements than a typical conventional loan — a common starting point for first-time buyers.
Low Down Payment Conventional Loans
Many conventional loan programs allow qualified first-time buyers to put down as little as 3–5%, often with no long-term mortgage insurance once you build enough equity.
Arizona Down Payment Assistance
Programs like Arizona's HOME+PLUS and Maricopa County's Home in Five Advantage offer down payment and closing cost assistance to eligible buyers. I'll help you find out what you may qualify for.
VA Loans
If you're a veteran, active-duty service member, or eligible spouse, a VA loan can mean 0% down and no private mortgage insurance.
Program availability, eligibility, and terms change and depend on your specific situation — reach out and I'll help you figure out what actually applies to you.
Mistakes First-Time Buyers Should Avoid
Shopping before getting pre-approved
It's tempting to start browsing listings first, but without a pre-approval you don't actually know your budget — or whether a seller will take your offer seriously.
Making big purchases or job changes before closing
A new car, a new credit card, or a job change between your pre-approval and closing day can change your numbers and put your loan at risk. When in doubt, ask me first.
Forgetting to budget for closing costs
Beyond the down payment, plan for closing costs — typically a few percent of the purchase price — for things like loan fees, title insurance, and prepaid property taxes.
Skipping the home inspection
An inspection can save you from an expensive surprise, and gives you room to negotiate repairs or credits before you're locked in.
Ready to see what's possible?
Let's talk through your budget, what programs you might qualify for, and what the process looks like from here — no pressure, no obligation.