44% of home buyers are first time buyers. And 60% of them got help with their down payment.
You don't need 20% down. You might not need anything down. FHA loans start at just 3.5% down with a 580 credit score. VA loans require zero down for veterans. USDA loans in eligible rural areas? Also zero down with a 640 score. Even conventional loans can be as low as 3% down.
Many programs offer interest free assistance that you don't pay back until you sell or refinance. If you haven't owned a home in the last three years, you likely qualify. The Good Neighbor Next Door program cuts 50% off the price for teachers, firefighters, and law enforcement. You can even pull up to $10,000 from your IRA penalty free for a down payment.
I know every program available in the Phoenix Valley. I will walk you through exactly what you qualify for and how to use it.
DM me directly and I will get back to you within the hour with a personalized breakdown.
