First-time buyer programs in Arizona change constantly. Currently there is a program I am familiar with that offers $0 down to first-time home buyers, though these programs can always change — which is exactly why it is worth asking before you assume a down payment is out of reach.

The first conversation is not a sales pitch. It is working out what you can comfortably carry, what that buys in which neighborhoods, and what the steps actually are.

What that looks like

• A budget-first conversation before any showings
• Lenders who work with first-time buyers, including $0-down programs
• Plain explanations of every step, with no assumed knowledge