First Time Home Buyers
Get Pre-Qualified
Before you fall in love with a home, find out what you can afford. It's free, fast, and the most important first step you can take.
Why Pre-Qualification Matters
Know Your Budget Before You Shop
Pre-qualification gives you a realistic price range so you're never falling in love with a home you can't afford. It removes the guesswork and lets you shop with confidence.
Sellers Take You Seriously
In a competitive market, sellers often won't even consider an offer without a pre-approval letter. Having one in hand puts you in the same league as cash buyers.
It Costs Nothing
Getting pre-qualified is free and typically takes 20–30 minutes. There's no commitment and no impact on your credit score for the initial soft pull.
Nina Connects You to Trusted Lenders
Nina works with several trusted local lenders in Tucson. She'll introduce you to one that fits your situation — whether you're a W-2 employee, self-employed, or have unique circumstances.
What You'll Need
Gathering these documents ahead of time makes the pre-qualification process fast and smooth:
- ✓Two most recent pay stubs
- ✓Two years of W-2s or tax returns (1099s if self-employed)
- ✓Two months of bank statements
- ✓Government-issued photo ID
- ✓Social Security number (for credit pull)
- ✓Information on any current debts (car loans, student loans, etc.)
Estimate Your Monthly Payment
Use this calculator to get a ballpark figure before talking to a lender.
Mortgage Calculator
Estimate your monthly payment before you start your search.
Est. Monthly Payment
$1,770
/mo · This is an estimate only. Contact a lender for accurate figures.
Nina works with buyers who are pre-qualified or paying cash. Talk to a lender today.
Upfront Costs to Budget For
Beyond your monthly mortgage, here's what you'll need to have ready in cash before and at closing.
Earnest Money Deposit
Applied to your down payment at closing
Home Inspection
Paid when inspection is scheduled
Appraisal
Required by lender; confirms home value
Down Payment
FHA: 3.5% · Conventional: as low as 3%
Closing Costs
Lender fees, title, escrow, prepaid items
Estimates for the Tucson, AZ market. Actual amounts vary by loan type and lender.
Ready to talk to a loan officer?
Nina will connect you with a trusted local lender who can walk you through your options and get you pre-qualified — no pressure, no obligation.
Contact Nina to Get Connected