Tucson Welcome Home
100% financing program for eligible families in Pima and Maricopa County.
Program funding is renewed every year.
Qualified applicants should fill out our application form below to be considered.
Unlock Your Dream of Home Ownership
In partnership with other local credit unions and GoWest Credit Union League, we’re excited to launch a zero down payment program – that means 100% financing – for eligible borrowers in Pima County.
As of 2026, Vantage West is now serving Maricopa County.
This program was created to help families overcome affordability, down payment, and credit qualification challenges, empowering them to break free from renting and start building wealth.
To qualify applicants must meet the following criteria:
- You must be a first-time homebuyer.
- The purchase property must be located in Pima or Maricopa County.
- The property must be a single-family home, townhome, or a detached or attached 1-unit residence.
- You must be employed or have a consistent income source for at least the past two years.
- Pima County: Your total, yearly household income must be at or below $134,500 (110% below area median income).
- Maricopa County: Your total, yearly household income must be at or below $153,440 (140% below area median income).
If you meet these qualifications click above to start your journey to homeownership.
Haga Realidad Su Sueño de Comprar una Casa
En asociación con otras cooperativas de crédito locales y GoWest Credit Union League, nos complace lanzar un programa de pago inicial cero, es decir, financiamiento del 100% para prestatarios elegibles en el condado de Pima.
A partir de 2026, Vantage West presta servicio al condado de Maricopa.
Este programa se creó para ayudar a las familias a superar los desafíos de asequibilidad, pago inicial y calificación crediticia, lo que les permite liberarse de rentar y comenzar a generar riqueza.
Para calificar, los solicitantes deben cumplir con los siguientes criterios:
- Debe ser un comprador de casa por primera vez.
- La propiedad que compra debe estar ubicada en el condado de Pima o Maricopa.
- La propiedad debe ser una casa unifamiliar, una casa adosada o una residencia de una unidad independiente o adosada.
- Debe estar empleado o tener una fuente de ingresos constante durante al menos los últimos dos años.
- Condado de Pima: Su ingreso familiar anual total debe ser igual o inferior a $134,500 (110% por debajo del ingreso medio del área).
- Condado de Maricopa: Su ingreso familiar anual total debe ser igual o inferior a $153,440 (140% por debajo del ingreso medio del área).
Si cumple con estos requisitos, haga clic arriba para comenzar su viaje hacia la compra de una casa.
Los documentos oficiales estarán y deberán completarse en inglés.
If you are interested in learning more about our other options for buying a home and other mortgage products
Disclosures
All Loans subject to approval. Mortgage options, program, and rates are subject to change without notice. Rate based on creditworthiness, loan product, term of loan, and value of property used as collateral. You may be requested to provide additional documentation. Certain restrictions and fees may apply. Membership is required. Property insurance is required. NMLS#485751