Learn How to Get $ for a downpayment & more...

No Down Payment? There's a Solution

Down Payment Assistance programs offer from 3%-5% of the total loan amount to use towards your down payment or closing costs. There are different programs available, including one with these guidelines: 

  • 640 minimum credit score
  • Not just for first-time homebuyers
  • Income maximum of $92,980
  • Purchase price up to $371,930

Get Instant Answers to These Important Questions:

  • How much home can I afford?
  • How does the homebuying process work?
  • What's the difference between prequalified and pre-approved?
  • Can I buy if I don't have established credit?
  • What can I do now to ensure homebuying success?
  • How can I decode MLS listings like a pro?
  • How do I make an offer and negotiate the best price and terms?
  • How quickly can I get my keys and start living my American Dream?

Tired of Living By Somebody Else's Rules?

Do you want a yard for your dog? Your own garage? Freedom from a management company calling the shots? This is a great time to take control of your future and start building equity for yourself, not for someone else (like you're doing now by paying rent).


Attending First-Time Homebuyer Bootcamp will make you feel confident and educated every step of the way. Our experts will give you the tools and information you need to be in the best shape to buy your first home.

Interested in attending a future bootcamp?

Sign up to Receive Notice of Future Bootcamps

your instructors

Melanie Johnston, REALTOR

I look forward to meeting you and sharing what it takes to find your ideal home. I've lived in the Valley since 1981, coming from Colorado to earn a B.A. in journalism and public relations at ASU. I've been a licensed Arizona Real Estate Agent since 2005. With HomeSmart as my broker, I have access to many resources that help both buyers and sellers.

Licensing: AZ Dept. of Real Estate SA558724000

Ryan Halldorson, V.I.P. Mortgage Inc.

I grew up in Omaha, Nebraska, and received my degree in industrial engineering from Iowa State University in 1995. A year later, I headed out west and transitioned into the mortgage industry in 2001.  Buying a home can be quite hectic, and I have a personal investment in helping my clients make what is likely the largest financial investment of their lives.

Company licenses: National ‑ 145502;  AZ ‑ 0909074

Individual: National ‑ 216632; AZ - LO0911658;

Also licensed in CA, FL, GA, NC, NE, NV, TX

Rob Clang, Reliant Title

Rob brings more than 31 years of experience in the Escrow and Title industry with the last 17 years working in Arizona. He has been a Title Examiner, Sales Executive, Escrow Officer and carries a complete understanding of the AAR Real Estate Contract. His ability to connect and communicate with clients to help them understand the process has been a foundation of his success. Rob is empathetic to his clients' goals and provides a level of service that exceeds even the most demanding clients' expectations.

Scottsdale bootcamp location

HomeSmart Corporate (Classroom)

8388 East Hartford Drive, Suite 100 Scottsdale, AZ 85255

(480) 241-0241

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