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⚠️ First-time home buyers in Tucson, don’t skip this step. It can literally cost you tens of thousands of dollars if you do. If you’re thinking about buying a home in Tucson or Southern Arizona, your pre-approval meeting is one of the most important steps in the entire process, and most buyers don’t realize why. In this video, Derrick Polder with The Polder Group breaks down: Why local first-time home buyer programs matter How some Tucson programs can cover down payment AND closing costs Why large national lenders often miss city- and county-specific programs How a smart pre-approval can maximize your credit score The real do’s and don’ts of credit before buying a home How to compare multiple loan programs side by side What the home-buying timeline actually looks like in Arizona Who the key players are: lender, Realtor, appraiser, inspector, and more We’ve seen first-time buyers in Tucson get into homes for less than they paid for their last apartment, simply because they learned about the right local programs at the right time. 📘 Want it all laid out step-by-step? Request our Smooth Start Kit, an easy-to-follow first-time home buyer guide built specifically for Southern Arizona. 👉 Reach out to The Polder Group and we’ll send it to you. 👍 Like the video 🔔 Subscribe for weekly Arizona home buying advice 📍 Serving Tucson, Oro Valley & Southern Arizona #TucsonRealEstate #FirstTimeHomeBuyer #TucsonMortgage #ArizonaHomeBuyers #ThePolderGroup 0:00 What is the most important step first-time home buyers in Tucson should not skip? 0:30 Why does getting pre-approved early save first-time buyers thousands of dollars? 1:05 What down payment and closing cost assistance programs are available in Tucson? 1:55 Why should buyers talk to a local Tucson mortgage lender before fixing their credit? 2:45 How should first-time buyers compare different loan programs side by side? 3:30 What is the home-buying timeline in Arizona, and who is involved in the process?