Arizona First Time Home Buyer Loans With Just 3% Down
Buying your first home in Arizona should feel exciting, not stressful. As a Arizona first time home buyer, you deserve guidance that makes sense, options that fit your budget, and a team that walks with you from first question to closing day.
Guidance first time buyers rely on
Thousands of families just like yours have found clarity and confidence with the guidance of a leading mortgage lender dedicated to their success.
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A Different Experience for Arizona First Time Home Buyers
Arizona first time home buyers face unique challenges. We meet you where you are with low down payment options, assistance programs, and support that makes the unfamiliar feel manageable.
What Arizona First Time Home Buyers Need to Know
Saving for a down payment is hard when rent keeps rising. But Arizona first time home buyer programs can help cover part or all of your down payment. We help you find and access these programs.
Our Rates For You
FHA 30 Year Purchase
FHA 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
The Arizona First Time Home Buyer Path
Real people. Real challenges. Real mortgage success.
Your Arizona First Time Home Buyer Story Starts Here
You have questions. We have answers. Arizona first time home buyers deserve clarity before making the biggest purchase of their lives.
Get the information you need to move forward with confidence.
Worried about the down payment?
Let’s be honest, saving up for a home isn’t easy when rent, groceries, and life keep getting more expensive.
But here’s what most buyers don’t know:
You might already qualify for help.
There are down payment assistance programs, grants, and first-time buyer incentives that could open the door sooner than you think, if you know where to look.
We'll help you find every option available to you, because money shouldn't be the reason you give up on the home you've dreamed of.
What if answers changed everything you feared?
Still unsure? Talk to someone who hears you, not a script.
Arizona first time home buyer programs make homeownership more accessible with low down payments, assistance grants, and guidance designed for people buying their first home.
The minimum is 3% for conventional loans and 3.5% for FHA loans. Arizona first time home buyers may also access assistance programs that cover part or all of the down payment.
Yes. Arizona first time home buyers can purchase single family homes, condos, and townhomes. Condos must meet lender guidelines, but most do.
Closing costs for Arizona first time home buyers typically run 2% to 5% of the purchase price. Some assistance programs help cover these costs. Sellers can also contribute in many cases.
No. Arizona first time home buyers can get loans with credit scores as low as 580 for FHA and 620 for conventional. We help you understand your options regardless of your credit situation.
Yes. Arizona first time home buyers with debt can still qualify. Lenders look at your debt to income ratio, not just whether you have debt. We help you understand how your debt affects your buying power.
The best loan depends on your situation. FHA offers low down payments and flexible credit. Conventional may have lower costs long term. USDA works for rural areas. We compare options for Arizona first time home buyers.
Still have a question?
No problem. Let’s just talk.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
Lower, LLC DBA Oxford Home Lending | NMLS #1124061 | www.nmlsconsumeraccess.com.
Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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