Mortgage | First-Time Homebuyer Loans

first time home buyer loan mortgage arizona jeff heggie real estate

Jeff Heggie – Arizona Mortgage Loan Officer NMLS#2247399

Some of you may know, but in addition to my business, success, and peak performance coaching, I have recently joined Geneva Financial Home Loans, a mortgage lender headquartered in Chandler, Arizona as a Mortgage Loan Originator. I’ve always had a passion for serving others and now I’m proud to be a part of Home Loans Powered by Humans. If you are in the state of Arizona and looking to take the next step in your journey, contact me at 801-830-3858 to start the conversation.

NMLS#42056 BK#0910215 Equal Opportunity Lender.

In addition to my other articles on this site, at times I will share valuable information regarding the mortgage and/or real estate industry.

At Geneva Financial we offer Conventional, FHA, VA, USDA, Refinance, Reverse, Jumbo and Condo Financing as well as Down Payment Assistance Programs, First-Time Homebuyer Programs, Physician Loans and Hero Loans for First Responders, Police, Firefighters, Nurses, and Teachers.

The Arizona real estate market is exciting right now. So whether you are moving to Arizona and you’re looking to buy a new home, or you already live here and you’re looking to buy, or refinance, there are many opportunities.

First-Time Home Buyer’s Loan

Purchasing a home is an exciting milestone. We are here to help make the process as seamless as possible. We strive to always be available to you and answer all your questions.

Download our HomeBuyer’s Guide

This guide contains helpful checklists, mortgage terms, tips, and tricks to guide you through your first home search.

Loan Options for First-Time Homebuyers 

FHA Loan 
An FHA loan is a loan that typically requires a lower down payment which is usually beneficial to first time home buyers, to read more about this program click HERE.

Conventional Loan
Conventional loans offer several different down payment options and do not require mortgage insurance. Read more about conventional loans HERE

VA Loans
If you are a veteran, utilizing your benefits to obtain a VA Loan can be a great way to get a home loan with limited closing costs. Read more about VA Loans HERE

What is a DPA Loan?

DPA Loan is designed for those who need assistance with the down payment costs. Often times a borrower will qualify in all other aspects of a loan but will not have enough cash on hand for a down payment.  Down payment assistance (DPA) helps homebuyers with grants or low-interest loans that reduce the amount they need to save for a down payment.

For more information and details contact Jeff at or (801)830-3858 or visit

Learn about other mortgage products: Conventional Loans, FHA Loans, Refinancing, VA Loans, USDA Loans, HERO Loans, Renovation Loans, Others


Published by D. Jeff Heggie

Father, Husband, Coach & Entrepreneur

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