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🏡🏡 Do you think buying a home requires 20% down?🏡🏡 That myth keeps people renting for years! Can you really buy a home in Arizona for $1500 out of pocket? Short answer: yes — but it requires strategy! After posting that this was possible, my inbox exploded with questions. Some people thought it was fake. Some thought it was a scam. It’s neither. In this video, I explain how first-time buyers are using down payment assistance programs, seller concessions, and smart negotiation strategies to dramatically reduce upfront costs when buying a home. Many buyers still believe the 20% down payment myth, which keeps them renting years longer than necessary. The reality is most first-time buyers today are using: • FHA loans • Conventional loans with 3% down • VA loans (for qualified buyers) • Down Payment Assistance (DPA) programs When these tools are combined with seller-paid closing costs and proper offer structuring, some buyers end up paying only for their inspection and appraisal, which can land around $1,500 out of pocket. This is especially relevant in today’s Arizona housing market, where buyers still have leverage to negotiate. *I will also break it down as to why waiting for interest rates to drop could cost you more *How Down Payment Assistance really works *Why the West Valley — especially Surprise, Arizona — remains one of the best entry points for first-time buyers *The biggest mistakes first-time buyers make when trying to purchase If you're renting in the Phoenix area and wondering whether buying is possible for you, this video will help you understand your options. If you want to see what buying might look like in your situation, maybe you are just exploring options or if you are looking make your first purchase in Arizona and curious what buying might look like, drop the word HOME below and I’ll point you in the right direction!☀️ 🤝 I’m all about relationships over transactions. With a personal touch, community knowledge, and decades of local insight, my mission is to guide you through every step of the real estate journey with heart ❤️ 👉 Subscribe and join me as we explore Arizona real estate together! 📧 brandelyn@brandelynjones.com 🌐 www.brandelynjones.com 📞(623) 206-0439 #LPTRealty #DownPaymentAssistance #BuyAHome #WestValleyAZ #HomeBuyingTips #ArizonaHomes #FirstTimeHomeBuyer #FHALoan #MoveToArizona