Buying a new home is probably the most important and largest purchase of your life. Whether this is your first home or your fifth home, we are here to answer any questions along the way.

There are many programs to choose from. Including the most commonly listed below and those not commonly talked about such as down payment assistance programs. Partner with SonAriz Financial to receive a custom-built program for your specific need.

Loan Programs

White home in Arizona


These loans are not government-insured or endorsed. Requires mortgage insurance if the loan-to-value ratio is greater than 80%. Down payment requirements vary on purchase terms.

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Government-insured program. Mortgage insurance is required throughout the life of the loan. Down payment as low as 3.5%. FICO scores as low as 500 are eligible*.

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Government-insured program for current and past military personal and their families. No down payment required. Upfront funding fee required. No monthly mortgage insurance.



Government-guaranteed program for low-to-moderate-income rural residents. No down payment required. No minimum FICO score. First time or repeat buyers are eligible. 

The Home Buying Process

The home buying process is not an easy process to follow. There are a lot of moving parts when buying a home. Below is a graphic to help understand the process at a high level.

Mortgage process explained.
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