No Down Payment No Problem

  • 4% Down Payment  – The DPA Program pays your down payment. FREE MONEY
  • Not a Loan  – Grant is not a loan and does not need to be repaid.
  • Easy to Qualify – 640 minimum FICO score is all you need
  • Have Debt? – No Problem, this program allows for a 45% max. Debt To Income ratio

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Additional Eligibility requirements: Home Buyer Education required, Household income limited to $88,340/year, 30 year Fixed Rate – FHA loan, Properties in Maricopa County.

We are “The Official Sponsor of You!”

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I was a first time home buyer and was nervous about choosing a lender. I knew that finding a good lender was important but not sure exactly what made a lender good until I was referred to Ryan Whalen with Nova. I had been in touch with 2 other lenders prior to Ryan. The first was through my agent and they did not accurately or fully communicate important information and on 2 occasions did not respond to emails asking questions. The second was a referral who told me that I would need to wait another 6 months. So when I fist contacted Ryan I wasn’t very confident but It didn’t take very long before I felt differently. Just to keep it short but and to the point……. If someone was knowledgeable, available to you almost any time and was able to make you feel like you we’re the only client that they working with and focused on, through the entire home buying process wouldn’t that feel pretty good. I think most people, myself included, would like that. So thank you to Ryan and Ryan’s team for making me feel like an only client through my home buying process.. I sent my best friend to Ryan knowing she will be working with great people.

Vicki Richards – Phoenix, AZ

Other conditions and restrictions may apply. Rates and available loan programs are subject to change without notice. Contact your loan officer for more information.

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We’d Like To Hear From You

Feel free to call, email, or use our contact form. If you’re outside the United States, use our global contact map to find a representative near you.

Testimonials

  • Being a first time home buyer, I was never out of the loop, everything was easy to understand and when I didn’t there was always someone to ask. I’m Very happy with how this first time experience went and I would recommend Nova to anyone looking to buy a home! Thank you so much.

    Tashina Mattia

    I am a first time buyer & some issues I had to sort out & Nova was there every step of the way. I had a great experience with them & any time I needed information or documents from then it was always responded to quickly. You all are great!

    Stephanie De La Cruz

  • I appreciate the prompt responses, friendliness, and sense of urgency displayed by the group to help the client in every situation.

    Joshua Dean

    Great communication, timely LSU’S, and all paper to title ahead of schedule!

    Guadalupe Jerrells

  • Chris Callen is exceptional. She is so on target, so prompt in her email responses so patient with questions posed, I am deeply impressed. She is just an ace.

    Angela Giron

    I work with a lot of lender’s, You and your staff did a outstanding job to make this transaction go so smooth. Thank You. Kim Gauman

    Sunny Bert

Testimonials

  • Being a first time home buyer, I was never out of the loop, everything was easy to understand and when I didn’t there was always someone to ask. I’m Very happy with how this first time experience went and I would recommend Nova to anyone looking to buy a home! Thank you so much.

    Tashina Mattia

  • I am a first time buyer & some issues I had to sort out & Nova was there every step of the way. I had a great experience with them & any time I needed information or documents from then it was always responded to quickly. You all are great!

    Stephanie De La Cruz

  • I appreciate the prompt responses, friendliness, and sense of urgency displayed by the group to help the client in every situation.

    Joshua Dean

  • Great communication, timely LSU’S, and all paper to title ahead of schedule!

    Guadalupe Jerrells

  • Chris Callen is exceptional. She is so on target, so prompt in her email responses so patient with questions posed, I am deeply impressed. She is just an ace.

    Angela Giron

  • I work with a lot of lender’s, You and your staff did a outstanding job to make this transaction go so smooth. Thank You. Kim Gauman

    Sunny Bert