Arizona the sunny southwest State.  Purchase or refinance, each loan is personally processed by myself.  This allows me to know what the status is of your loan all of the time.  In Arizona now there is a My Community program that allows for 100% financing down to a 600 FICO score.  Certain counties in Arizona will now allow for a my community program and disregard what the income is of the borrowers and you do not have to be a first time home buyer.  This program also can be used inconjunction with another program that allows the seller to contribute 6% or up to 6 months of PITI called the PITI Abatement program.  Call me for details!