{"id":2265,"date":"2019-06-04T18:26:16","date_gmt":"2019-06-04T18:26:16","guid":{"rendered":"https:\/\/www.gentryrealestategroup.com\/buylowazteam\/?p=2265"},"modified":"2019-06-04T18:27:58","modified_gmt":"2019-06-04T18:27:58","slug":"arizonas-first-time-homebuyer-programs","status":"publish","type":"post","link":"https:\/\/gentryrealestategroup.com\/buylowazteam\/arizonas-first-time-homebuyer-programs\/","title":{"rendered":"Arizona&#8217;s first-time homebuyer programs: valuable opportunities to help make your homeownership dreams a reality"},"content":{"rendered":"<h2><span style=\"font-family: 'Times New Roman', Times;font-size: 18pt\">Arizona&#8217;s first-time homebuyer programs: valuable state and federal resources are at your disposal<\/span><\/h2>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Arizona\u2019s strong economy, booming employment opportunities, beautiful desert landscapes, and great year-round weather keep throngs of new residents streaming to the Grand Canyon state every month. First-time home buyers who aren&#8217;t already taking advantage of mortgage loan assistance programs offered by the Arizona Industrial Development Authority (AZIDA) through the Arizona Department of Housing (ADOH) should start exploring all their options without delay.<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">In addition to state mortgage loan programs developed expressly for first-time homebuyers, national home loan programs are available through a variety of lenders throughout the U.S., providing even more opportunities for prospective property owners to qualify for a home loan. Below is some basic information on loan and assistance opportunities to help fast-track your journey from tenant to deed holder.<\/span><\/p>\n<p><a href=\"https:\/\/www.gentryrealestategroup.com\/buylowazteam\/files\/2019\/06\/GENTRY_HOMEBUYERS2.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignleft wp-image-2271 size-full\" src=\"https:\/\/www.gentryrealestategroup.com\/buylowazteam\/files\/2019\/06\/GENTRY_HOMEBUYERS2.png\" alt=\"Arizona's first-time homebuyer programs\" width=\"800\" height=\"532\" srcset=\"https:\/\/gentryrealestategroup.com\/buylowazteam\/files\/2019\/06\/GENTRY_HOMEBUYERS2.png 800w, https:\/\/gentryrealestategroup.com\/buylowazteam\/files\/2019\/06\/GENTRY_HOMEBUYERS2-300x200.png 300w, https:\/\/gentryrealestategroup.com\/buylowazteam\/files\/2019\/06\/GENTRY_HOMEBUYERS2-768x511.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Arizona first-time home buyer loan programs<\/strong><\/span><\/p>\n<p><a href=\"https:\/\/www.arizonadownpaymentassistance.com\/down-payment-programs\/\">Arizona\u2019s Home Plus mortgage program<\/a> is designed specifically to help home seekers become homeowners. While current or past real estate owners can also qualify, more than 90 percent of Home Plus program participants are first-time home buyers according to Dirk Smith, Home Plus program administrator.<\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Home Plus program features<br \/>\n<\/strong>Assistance with down payments and closing costs<strong><br \/>\n<\/strong>Lower mortgage insurance premiums<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Eligibility requirements<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">The property you\u2019re considering purchasing must be located in Arizona and must not exceed purchase price limit<\/span><\/li>\n<li><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Borrowers must occupy the home as a primary residence<\/span><\/li>\n<li><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Borrowers need to meet\u00a0<a href=\"https:\/\/www.fha.com\/grants\/home-plus-mortgage-down-payment\">income and credit score requirements<\/a><\/span><\/li>\n<li><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><a href=\"https:\/\/housing.az.gov\/sites\/default\/files\/documents\/files\/HOME-Plus-pre-purchase-home-buyer-counseling-options.pdf\">A homebuyer education course<\/a> is compulsory<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Some mortgage types not available in certain counties.<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Details you need to know<br \/>\n<\/strong><\/span><br \/>\n<span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">The Arizona Home Plus program combines 30-year fixed-rate mortgages and financial assistance for down payment or closing costs. Qualified applicants may receive up to 5 percent of the loan\u2019s principal balance, depending on the mortgage type, by way of a deferred, no-interest second mortgage. Borrowers don\u2019t need to repay the second mortgage as long as they do not sell or refinance the home within the first three years of ownership. <\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Only borrowers using the Home Plus program can take advantage of down payment assistance. \u00a0Securing a 30-year, fixed-rate loan with less than 20 percent down generally requires monthly mortgage insurance. The good news is, mortgage insurance premiums may be reduced under the Home Plus program. AZIDA collaborates with the government-sponsored Fannie Mae and Freddie Mac ventures to offer mortgage insurance priced significantly lower than premiums available outside the program<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Take the next step<\/strong><\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Now that you\u2019ve become acquainted with the fundamentals of the Arizona Home Plus program, it\u2019s time to get started.<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">For complete details and eligibility requirements, <a href=\"https:\/\/housing.az.gov\/general-public\/home-plus\">visit the ADOH website.<\/a><\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">If you think you may qualify for a\u00a0Home Plus mortgage, the next step is to select a lender. Keep in mind that AZIDA does not review mortgage applications or lend money; it depends on a network of participating lenders across the state. A <a href=\"https:\/\/housing.az.gov\/finance-authority\/home-plus\">link to a list of participating lenders<\/a> is available on the\u00a0Home Plus website. Individual lenders may have additional rules regarding credit scores, income limits, and the types of property eligible for a Home Plus mortgage. In order to determine whether you qualify for a mortgage loan, contact participating lenders directly.<\/span><\/p>\n<h4><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>National first-time home buyer loan programs<\/strong><\/span><\/h4>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Some first-time home buyers\u00a0run into trouble getting approved for a mortgage because of credit history issues or because they lack the money for a down payment. \u00a0This is where national home loan programs, available to borrowers in all 50 states, can help.<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Conventional mortgage features<\/strong><\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Can offer low down payment opportunities<\/span><br \/>\n<span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Lenders can offer <a href=\"https:\/\/homeguides.sfgate.com\/definition-homeowners-mortgage-insurance-premium-1655.html\">limited mortgage insurance premiums<\/a><\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Details you need to know<br \/>\n<\/strong>Conventional mortgages are home loans that are not guaranteed or insured by the federal government. Conventional mortgages that conform to Fannie Mae and Freddie Mac requirements permit down payments as low as 3 percent for or lower-income home buyers. Contrary to Federal Housing Administration (FHA) loans, conventional loans enable borrowers who make a down payment of t least 20 percent to eventually cancel their mortgage insurance or avoid insuring their mortgages entirely.<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">\u00a0<strong>FHA mortgage loan features<\/strong><\/span><br \/>\n<span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Can make exceptions for borrowers with a low credit score<\/span><br \/>\n<span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Can offer low down payment opportunities<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Details you need to know<\/strong><\/span><br \/>\n<span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">The <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/fhahistory\">FHA offers a mortgage loan program<\/a> for many first-time home buyers with lower credit scores that allows down payments as low as 3.5 percent for applicants with credit scores of 580 or higher. The FHA will insure loans for borrowers with credit scores as low as 500 provided they make a down payment of 10 percent. Unlike conventional mortgage loans, mortgage insurance is required for the life of an FHA loan and cannot be canceled.<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Veterans Administration (VA) mortgage loan features<\/strong><\/span><br \/>\n<span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Available to military service members, veterans, and surviving spouses<\/span><br \/>\n<span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">Can offer low down payment opportunities<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Details you need to know<br \/>\n<\/strong>The U.S. Department of Veterans Affairs provides home buying assistance and resources to service members, veterans, and surviving spouses. <a href=\"https:\/\/d.docs.live.net\/e79aafb932ef2b33\/ERNSTPR%20WEBSITE\/Documents\/Although%20there%20is%20no%20official%20minimum%20credit%20score,%20most%20VA-approved%20lenders%20require%20scores%20of%20at%20least%20640.\">VA home mortgage loans<\/a> are extremely ample, often requiring no down payment or mortgage insurance and providing competitive interest rates. And while no official minimum credit score has been established for VA mortgage loan approval, a minimum rating of 640 is required by most VA-approved lenders.<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>United States Department of Agriculture (USDA) mortgage loan features<br \/>\n<\/strong>Can offer low down payment opportunities<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\"><strong>Details you need to know<\/strong><\/span><br \/>\n<span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">USDA home loans, issued by the U.S. Department of Agriculture are zero-down-payment mortgage loans for eligible home buyers in rural and suburban areas. USDA loans are issued by the U.S. Department of Agriculture through the agency\u2019s <a href=\"https:\/\/www.rd.usda.gov\/programs-services\/single-family-housing-guaranteed-loan-program\">Rural Development Guaranteed Housing Loan Program<\/a>. Income limitations are in place and vary by region. Applicants with credit scores of 640 or higher get streamlined processing, while applicants with scores below 640 face more rigorous underwriting standards.<\/span><\/p>\n<p><span style=\"font-family: 'Times New Roman', Times;font-size: 14pt\">If you\u2019re in the market for your first home in Arizona, start learning all you can about state and federal home mortgage programs designed specifically to help first-time homebuyers achieve their dream. You\u2019ll be surprised at the abundance of mortgage loan resources available to you!<\/span><\/p>\n<p><a href=\"https:\/\/www.gentryrealestategroup.com\/buylowazteam\/files\/2018\/01\/EQUAL_HOUSING_OPPORTUNITY_LOGO2.png\"><img decoding=\"async\" class=\"alignleft size-full wp-image-1176\" src=\"https:\/\/www.gentryrealestategroup.com\/buylowazteam\/files\/2018\/01\/EQUAL_HOUSING_OPPORTUNITY_LOGO2.png\" alt=\"Equal Housing Opportunity\" width=\"150\" height=\"150\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Arizona&#8217;s first-time homebuyer programs<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Arizona&#8217;s first-time homebuyer programs: valuable state and federal resources are at your disposal Arizona\u2019s strong economy, booming employment opportunities, beautiful desert landscapes, and great year-round weather keep throngs of new residents streaming to the Grand Canyon state every month. First-time home buyers who aren&#8217;t already taking advantage of mortgage loan assistance programs offered by the [&hellip;]<\/p>\n","protected":false},"author":78,"featured_media":2268,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3,4],"tags":[15,55,34,107,20],"class_list":["post-2265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-social-media-post","tag-arizona-real-estate","tag-arizona-real-estate-trustee-auctions","tag-first-time-home-buyers","tag-mortgage-loan-programs","tag-phoenix-real-estate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Arizona&#039;s first-time homebuyer programs| Gentry Real Estate Group<\/title>\n<meta name=\"description\" content=\"Arizona&#039;s first-time homebuyer programs: find out about all the valuable state and federal resources at your disposal to fast track your home buying journey\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Arizona&#039;s first-time homebuyer programs| Gentry Real Estate Group\" \/>\n<meta property=\"og:description\" content=\"Arizona&#039;s first-time homebuyer programs: find out about all the valuable state and federal resources at your disposal to fast track your home buying journey\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gentryrealestategroup.com\/buylowazteam\/arizonas-first-time-homebuyer-programs\/\" \/>\n<meta property=\"og:site_name\" content=\"AZ Foreclosures | Foreclosure Listing AZ | Buy Low Arizona\" 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