Refer a buyer who's short on the down payment. We help cover it.
Your buyer is credit-ready but doesn't have the cash for a down payment. Arizona assistance programs can cover much of the down payment and closing costs, so they can write an offer now. Send them to us, we'll match them to a program they qualify for, and we keep you in the loop.
Arizona assistance programs at a glance
The assistance most Arizona buyers actually qualify for, not a wish list. We match each buyer to the right program by area, income, and credit.
| Program | Where | Assistance | Min FICO |
|---|---|---|---|
| Home Plus | Statewide | Up to 5% (4% + 1% Veteran) | 620 |
| Home in Five | Maricopa County | Up to 6.5% | 640 |
| Arizona Is Home | Most other counties | 4% (repaid at sale/refi) | 620 |
| National (Chenoa / Arrive) | Statewide, no income cap | 3.5–5% | 600 |
Assistance shown as a percent of the loan amount; one assistance program per transaction. Figures are typical guidelines as of June 2026 and vary by program and approval. See the full menu on our programs page.
How the referral works
- 1
You send the buyer
Use the form below or call Mike. We just need your buyer's name and number, plus the area they're shopping if you know it.
- 2
We match them to a program
Same-day outreach. We figure out which assistance fits — Home Plus, Home in Five, Arizona Is Home, or a national grant — and run the numbers honestly.
- 3
You stay in the loop
You stay the agent. We send a pre-approval your buyer can write offers with and keep you posted at each step. No cost, no obligation.
Refer a client
Takes a minute. We contact your buyer the same business day.
Questions agents ask
How do I refer a buyer for down payment assistance?
Use the form on this page or call Mike Certo at (480) 296-6513. Send your name and your buyer's name and phone number. We reach out the same business day, match them to an Arizona assistance program they qualify for, and keep you updated through closing.
How much can assistance cover?
Most Arizona programs provide assistance worth roughly 3.5% to 6.5% of the loan amount toward the down payment and closing costs, paired with a conventional, FHA, VA, or USDA first mortgage. The exact amount depends on the program and the buyer's profile. Only one assistance program is allowed per transaction.
Does my buyer have to be a first-time buyer?
Not usually. Home Plus and Home in Five allow repeat buyers, not just first-time buyers. A few programs, like Arizona Is Home, do require first-time status, meaning no home owned in the last three years. We match each buyer to a program that fits.
What does it cost me to refer?
Nothing. Referring a buyer is free and there is no obligation. We are a participating lender, not the program administrator, and we will tell you honestly whether assistance is the right move for your buyer.
Have a buyer stuck on the down payment?
Send them over. We match Arizona buyers to the right assistance program, statewide.