Can I buy a house with 3% down or zero down?

Yes, several loan programs allow low or zero down payments. Conventional loans are available starting at 3 percent down for qualified buyers. FHA loans require a minimum of 3.5 percent down and are popular with first time buyers. VA loans offer zero down financing for eligible veterans and active duty service members with no mortgage insurance required. USDA loans also offer zero down for eligible buyers purchasing in qualified rural areas, though most of the Phoenix north valley does not qualify. Each program has different credit, income, and property requirements. Down payment assistance programs may also be available depending on your situation. The specifics depend on your situation and a licensed lender should confirm, and Jon can connect you with one.

Specifics depend on your situation and should be confirmed with a licensed lender. Jon can connect you with one: text (623) 826-0888.