Homebuyer Information

Eligible Borrowers

There is no first-time homebuyer requirement in this program.

• Regarding non-permanent residents, Lenders should follow Agency (FHA, VA, RD, Fannie Mae and Freddie Mac) guidelines
• Applicants must be considered irrespective of sex, age, race, color, religion or national origin

Minimum FICO Score and DTI Ratio

Buyers must have a minimum FICO credit score. The maximum DTI (debt-to-income ratio) must not exceed 50%. Ask a qualified lender if you qualify.

The program allows manual underwriting and underwriters must follow US Bank and Agency guidelines for the product (FHA,VA,RD, etc.)

Homebuyer Education Requirement

All borrowers (any primary borrower on the Note/Warranty Deed) must complete a homebuyer education course. Courses are offered online and in-person. The borrower may choose any HUD-approved housing counseling agency and must receive a certificate of completion. The ONLY approved online course is offered by MGIC:https://homebuyers.mgic.com


This program is intended for the financing of new mortgage loans. Refinancing of existing mortgage loans is not permitted at this time.

Income Limits

FHA, VA, USDA: $83,020
Conventional Loans: $88,950

Eligible Area

All of Pima County including:

  • City of Tucson
  • Marana
  • Oro Valley
  • Sahuarita
  • Green Valley
  • Vail
  • South Tucson

Purchase Price Limits

There are NO purchase price limits in this program

Properties eligible for loans include:

  • New or existing residential, one-four units, detached or attached, condominiums or townhomes.
  • Eligible properties may be restricted when using conventional loans.

Financing Facts

The following mortgage products are offered in this program: FHA, VA, USDA: RD and conventional loans

Reserving a Loan

Interested borrowers must contact a Participating Lender to apply for the loan. The lender will verify the current mortgage rate. When you visit the lender to make application, it may be important that you have the following information:

List of all outstanding debts and credit cards, including account information, unpaid balance and monthly payments
Name and address of employer(s) 
Copy of your most recent pay stub(s)