First-Time Homebuyers
Tucson, AZ Real Estate Guide
Your First Home in Tucson Your Golden Hour Guide.
Imagine stepping into the Tucson housing market for the first time — a mix of excitement and nerves as you tour neighborhoods like Sam Hughes, Oro Valley, or Catalina Foothills.
Many first-time buyers tell me they start out anxious. One client admitted buying a home felt “one of the most stressful experiences” — until we worked together. With clear communication, calm guidance, and local know-how, that stress turned into confidence. By the time she had keys in hand, she called the experience “nothing short of amazing.”
That’s the goal of the Golden Hour Home Journey, to make your first home purchase feel like the right move at the right time.
Things to Consider.
1. Know the Market
Tucson’s prices vary widely by neighborhood and home type. In June 2025, the median list price was about $390Kcitywide. Two-bedroom homes averaged closer to $305K. Checking current prices before you start looking helps you set realistic expectations — and avoid sticker shock.
2. Get Pre-Approved
Before house-hunting, meet with a lender.
- Why it matters: You’ll know exactly what you can borrow and show sellers you’re a serious buyer.
- Bonus: Pre-approval helps me focus our search on homes that fit your budget, style, and goals.
3. Use Assistance Programs
Tucson and Arizona offer programs designed to make buying your first home easier:
- Pima Tucson Homebuyer’s Solution: Forgivable second mortgage covering up to 100% of down payment & closing costs.
- Arizona’s Home Plus & Home in 5 Advantage: Low-interest loans with down-payment assistance.
These programs can significantly reduce your upfront costs — we’ll review them together to see what fits.
4. Choose the Right Loan
Your lender can help compare federal and state-backed options:
- FHA: As little as 3.5% down.
- VA: 0% down for veterans.
- USDA: 0% down for qualifying rural areas.
We’ll match your financing to your needs so your monthly payment feels comfortable.
5. Budget Beyond the Price Tag
Factor in:
- Closing costs (2–5% of purchase price)
- Insurance & property taxes
- Maintenance & utilities
I’ll work with your lender to give you an upfront cost estimate so there are no surprises.
6. Partner with a Local Expert
Buying in Tucson isn’t just about the house, it’s about the neighborhood, the commute, and the lifestyle.
- Prefer historic charm? We’ll explore Barrio Viejo or Armory Park.
- Want mountain views? The Catalina Foothills might be perfect.
As your boots-or-sneakers-on-the-ground guide, I’ll connect you with trusted inspectors, lenders, and local pros — and walk you through each step without pressure.
You got this!
Your first home purchase is a journey — but you don’t have to navigate it alone. With preparation, the right programs, and a process built around your goals, you’ll cross the finish line holding the keys (and wearing a big smile).