First Time Home Buyers Guide | Ask Jill Real Estate

For most loan programs in Tucson, a credit score of 640 is often enough to qualify with many lenders. However, a score closer to 740 typically opens the door to more favorable interest rates and loan options.
That said, qualifying isn’t one-size-fits-all. Some buyers with lower scores may still qualify depending on the loan program and lender overlays. Jill works with trusted local lenders who can help explore options even if your score is below 640.
The Debt-to-Income (DTI) Ratio: Lenders generally want your total monthly debt (including your new mortgage) to be under 45% of your gross monthly income.
Ideally, buyers should have $3,000–$5,000 set aside for upfront costs such as earnest money, inspections, and appraisal fees. That said, Jill has successfully helped buyers move forward with less, especially when using VA or Down Payment Assistance (DPA) programs, where earnest money is often around $1,000 and inspections typically cost about $700. In some cases, earnest money may even be refunded at closing
.Every situation is different, and Jill encourages buyers to have a conversation early rather than assume they aren’t ready.

Provides up to 4% down payment assistance (often around $15,000) that may convert into a forgivable grant after five years of owner occupancy. This program is highly seasonal and funding can be exhausted quickly once released.
Arizona is Home (AIH): Offers below-market interest rates and a silent second mortgage for those earning below 100% of the Area Median Income.
WISH Program: A 4-to-1 matching grant where for every $1 you contribute, the program can provide up to $32,099 in assistance for low-to-moderate-income buyers.

Jill helps buyers understand the differences between traditional AC systems, mini-splits, and evaporative cooling, including operating costs, efficiency, and what makes sense for Tucson’s climate. If a home still uses evaporative cooling, Jill can help buyers evaluate whether keeping it, supplementing it, or converting to AC is the right fit for their lifestyle and budget.
In Tucson, the sun can be tough on roofs. Whether a home has tile, shingle, or rolled roofing, it’s important that the roof is in good condition and properly maintained. Jill ensures the roof is carefully evaluated during inspections and can recommend licensed professionals when additional review is needed, so buyers understand the roof’s condition before moving forward.
In the desert, it’s not a matter of if termites exist, but when. Jill coordinates professional termite inspections and, if termites are found, negotiates treatment with the seller when possible. Not every home qualifies for a termite warranty, but Jill makes sure buyers clearly understand the inspection results and next steps before closing.

The "Ask Jill"
Tucson Home Buyer Guide for First-Timers (2026 Edition)