How Can I Qualify To Buy A Home In Arizona

And so it begins… you’re driving around a neighborhood you’ve had your eyes on for months, maybe even years, oohing and awing at all the beautiful homes and well manicured lawns. Pointing to the homes windows “That would be the guest room” “There is where our Christmas tree would be seen and envied by all the neighbors” etc… And then… “But there’s no way we could ever afford to live in this neighborhood” “I don’t think we could even get qualified to purchase because of our credit.”

Sounds familiar right? I’ve heard it and so has every other real estate agent and lender on the face of this planet. But I think the first question to ask is…Have you even spoken to a lender about the different financing options available to you? Are you aware that there are programs available to those with a credit score as low as 580? Did you also know that there are programs that can get you into a home with only 3.5% down?

Some lenders even have credit service departments that help you understand your credit report and what is hindering your score and what may be keeping you from purchasing. But they don’t stop there. Most of them will give you a step-by-step plan to get you on the road to recovery. This is typically a service that lenders can offer to their clients at no charge so don’t shy away because you think it may be costly.

If you’ve been thinking about buying a home but are afraid you may not be able to qualify, give me a call and let’s get you set up to meet with a lender who can get you pre-qualified and go over all of your options. I can’t promise all of the programs are available to you and your specific situation but with over 24,000 available homes for sale in Arizona, it sure wouldn’t hurt to see how you could make one of those yours.

As a third generation real estate agent and native of Arizona, I am passionate about helping you and your loved ones achieve your real estate goals. If you are buying or selling in Gilbert or any of the East Valley cities, trust that I will go the extra mile to ensure a smooth and successful transaction.