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Free Resources

Everything You Need
to Buy Your
First Home.

Free guides, checklists, Arizona assistance programs, and tools — all in one place. Because buying a home shouldn't be complicated.

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📖
First-Time Buyer's Guide

Everything you need to know before buying your first home in Phoenix — from understanding your credit to walking through closing day. Written in plain language, bilingual.

What's Inside
How to check and improve your credit score
FHA, Conventional, VA loans explained
Arizona down payment assistance programs
Step-by-step homebuying process
Common mistakes first-time buyers make
Pre-Approval Checklist

The exact documents you need to get pre-approved for a mortgage — organized and ready to gather. Walk into your lender meeting fully prepared and confident.

What's Inside
Income documents — pay stubs, tax returns, W-2s
Employment verification documents
Bank statements and asset documentation
Tips to improve your approval odds
Are You Ready to Buy?

Not sure if you're ready to buy a home? This questionnaire helps you assess your financial readiness, credit situation, and lifestyle factors before taking the next step.

What's Inside
Financial readiness assessment
Credit score self-evaluation
Lifestyle and timing factors
Next steps based on your answers
📊
Monthly Market Report

Stay informed about the Phoenix real estate market every month — home prices, interest rates, inventory, and Yetsi's personal take on what it means for first-time buyers.

What's Inside
Phoenix median home prices
Current interest rates
Market inventory & trends
Yetsi's monthly buyer tips
🗺️
Home Buying Roadmap

A step-by-step visual guide through the entire homebuying process — from credit check to getting your keys. No surprises, no confusion. Every step explained in plain language.

What's Inside
Credit check & improvement tips
Pre-approval process explained
Home search strategy
Making an offer — the right way
Inspection & appraisal guide
Underwriting explained simply
What to expect at closing
After closing — what's next
Arizona Assistance Programs

You May Qualify for Down Payment Help

Many first-time buyers in Arizona qualify for programs that cover down payment and closing costs — and don't even know it.

✓ Most Popular 🏠
HOME Plus Program

Arizona's most popular down payment assistance program. Provides a grant that does NOT need to be repaid.

AssistanceUp to 5%
TypeGrant
Min Credit640+
✓ Phoenix Only 🌵
City of Phoenix Program

The City of Phoenix offers down payment and closing cost assistance for buyers within Phoenix city limits.

AssistanceUp to $15,000
TypeSoft loan
AreaPhoenix only
✓ Statewide 🛣️
ADOH Pathway to Purchase

Arizona Department of Housing's program helps moderate-income buyers with down payment assistance statewide.

AssistanceUp to 10%
TypeDeferred loan
Min Credit620+

Not sure which program you qualify for? Let's find out together — for free.

📞 Call Yetsi — (480) 331-0360
FAQ

Questions I Hear Every Day

No! FHA loans allow credit scores as low as 580 with 3.5% down. Conventional loans start at 620. If your score is below that, I can refer you to a credit coach to help you get there.
As little as 3.5% with an FHA loan. And with Arizona's assistance programs like HOME Plus, that down payment could be covered as a grant. You may need less than you think.
No. Hablo español. I guide my clients through the entire process in Spanish — from the first conversation to closing day.
Nothing — my services are free to buyers. As a buyer's agent, I am compensated by the seller at closing. You get expert guidance at zero cost to you.

Ready to Take Your First Step?

Whether you're ready to buy today or just starting to explore — let's have a free, no-pressure conversation.