Tucson, AZ · Houston, TX · NMLS# 667008

First-Time Home Buyer Loans in Tucson and Houston

Buying your first home is a big step. My job is to make it simple. We will look at your budget, your credit, and your savings, and then pick a loan that fits your life.

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Questions first? Call (520) 495-8989

Applying online is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.

Who it fits

Who First-Time Home Buyer Is a Good Fit For

Renters ready to stop paying someone else's mortgage.
Buyers who have not owned a home in the last few years. Some programs count you as first-time in that case.
Buyers who want to understand the process before talking to an agent.
Buyers who are not sure how much they can afford yet.

The basics

Basic Requirements

These are general guidelines. Exact requirements depend on the program, the property, and your full financial picture.

Proof of income, such as pay stubs, W-2s, or tax returns.
A credit review so we know which programs fit.
Funds for a down payment and closing costs, which can include gifts or assistance in some cases.
Bank statements showing where your money comes from.

How I help

How I Help and Why Tough Files Are My Specialty

Plain-English Guidance

I explain your options in simple terms. You will know what you qualify for and why.

Tough Files Welcome

Self-employed income. Past credit issues. Unusual properties. Files other lenders turned down. I look for how to make it work, and I tell you straight if it cannot.

Updates at Every Step

With over 20 years in lending, I keep you, your agent, and title updated from application to closing.

Client reviews

What Clients Say

Rated 4.98 out of 5 from 128 reviews on Experience.com.

“Andy and his team were wonderfully! Communication was great and they were always willing to answer any questions or concerns I had. It can be stressful buying a new home but they made it as easy as possible! 10/10!”

Christian M. · July 8, 2026 · via Experience

“Andy was amazing from start to finish. very communicative and always willing to answer questions. He made this entire process smooth and stress free.”

Tamara L. · June 25, 2026 · via Experience

“our loan process was so fast, Andy had great communication with us and let us know about every step we were going through and helped with everything”

Jose O. · May 25, 2026 · via Experience

See all reviews on Experience.com

FAQ

First-Time Home Buyer FAQs

What counts as a first-time home buyer?

Many programs define it as someone who has not owned a home in the past three years. Rules vary by program, so ask me which ones apply to you.

How much do I need saved to buy my first home?

It depends on the loan. Some options allow a low down payment, and VA can allow zero down for eligible borrowers. Closing costs also matter. I will give you a clear estimate.

Should I get pre-approved before I look at homes?

Yes. A pre-approval tells you your price range and makes your offer stronger with sellers.

Do you help first-time buyers in Houston too?

Yes. I help first-time buyers in the Tucson metro and in the Houston area.

Let’s Talk About Your First-Time Home Buyer Options

Call or text (520) 495-8989, or start your application online.

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Andy Braun, Senior Loan Officer | Sales Manager, Neighborhood Loans. NMLS 667008. AZ LO-1006099.