Gilbert home loans for first-time and move-up buyers

Key facts at a glance

What loans do Gilbert buyers use most?

Conventional loans are common in Gilbert because many buyers have solid credit and want mortgage insurance that can come off later. FHA works well for first-time buyers, VA for veterans, and jumbo loans for loan amounts above $832,750.

I'm moving up from my first home. How do I buy before I sell?

It's a common question for Gilbert move-up buyers. Options include qualifying with both payments for a short time, using equity from your current home, or timing the sale and purchase together. I'll walk you through which one fits your numbers before you start shopping.

Can I get down payment help in Gilbert?

Yes. Gilbert is in Maricopa County, so Home in Five and Home Plus can work. Arizona Is Home isn't offered in Maricopa County. If you're also looking just south in Queen Creek or San Tan Valley, the program options change at the Pinal County line. See Arizona down payment assistance.

How do insurance and HOA dues affect what I can afford in Gilbert?

Both count in your monthly payment when you qualify. Insurance premiums in Arizona have climbed, so get quotes early. Read how home insurance affects affordability.

Subject to eligibility, credit approval, and program guidelines. Programs can change.