How Much Down Payment Do I Really Need to Buy a Home in Arizona?
The short answer is "less than you think." We walk through every loan type from VA (0%) to conventional (3% to 20%) — and where DPA fits in.
Read the guide →
Insights
Plain-English guides for Arizona first-time homebuyers.
Down payment, closing costs, credit, timing the market, the difference between DPA and "first-time buyer" programs — written for people who haven't been through this before.
Down Payment vs. Closing Costs — Why First-Time Buyers Confuse Them
Two completely different bills, both due at closing. We break down what's in each, what they typically total, and which DPA programs can help with each.
Read the guide →
Arizona First-Time Homebuyer Timeline + Checklist
What happens when, from "thinking about buying" to keys-in-hand. Includes the homebuyer education course step DPA programs require.
Read the guide →Have a question we should write about?
Send it over — and if it's urgent, just call.
Contact Mike Certo