What is the best first time home buyer mortgage in Arizona?

You would qualify for a home based on the debt ratio requirements. It is always best to take an applicaiton and very the income. (is the income a base income or is it commisson base, ect) I would suggest calling a lender to take an application so you can verify the income, credit, and the different programs you could qualify for. you can call me anytime602 349 0103Randy WhitakerCastle & Cooke MortgageNMLS# 246698

From the information you are providing, you should have no problem qualifying for a mortgage. It will all come down to which program works best for you with down payment, rates and monthly payments. If you would like to look at your options, please email me at fernando@wjbonline.com or call me at 602-820-0881. Growing up in Mesa myself, I am very familiar and am flexible with meeting place.

You did not disclosed how much down payment you have; but at the minimun down payment of 3.5% of the purchase price of 210,000 you can qualify for an FHA loan. This loan is perfect for first time buyers that have the lowest down payment and has easy loan guidelines to follow. But if you have more down payment you can look at other conventional loan programs that can help you even to pay your loan faster if your income can remain at the same level and your debt can be brought down for the next 15 years. Lets discuss your options anytime you like and you call me at 909.222.3858 and ask for Mark at Mission Hills Mortgage Bankers NMLS#337727.

Hey Ben.. based on the information you provided, you do qualify, but there is much more information needed to be sure.. I am here local and would be happy to help you get pre qualified.. no charge... WilliamAcres.com 480-287-5714

Hello Ben,On paper, everything seems to be legit for a loan approval. Please feel free to call me and I would be happy to discuss the loan approval process. Best Regards, Aaron Brown; Flagstar Bank: 480-538-0611 Ext 226

Based on the information you provided, you and your wife should easily qualify for a new mortgage. There are a number of programs for first time homeowners. FHA is by far the most common loan used by first time buyers because of their lower down payment requirements. Also, because they are government guaranteed, their pricing is generally better for someone not willing or able to put 20% down. My advice is to contact a local Mortgage Banker/Broker (like me), rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed (like me) in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She (like me) is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator (like me) at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com