Arizona’s new government program could get you into a brand new build home for $0 down!

Want to see if you qualify for $0 down for a new build home?

new build home loans at the John Z Team with Amerifirst financial

We Offer Special Government Programs

Do you have a low credit score? Don’t let your low credit score hold you back from applying for a new home loan. We offer special government programs aimed to help people that have low scores.

We can help you get into a home with less-than-perfect credit | We offer free credit analysis and coaching | We offer a personalized touch and approach

We also offer fast financing, which means that we will help you quickly close in no time so that you can get into your new build home in no time. Are you looking for exclusive rates? Now you can get personalized rates to meet your needs for your new build home loan.

Down Payments You Can Afford

You don’t need to put down a big down payment. In fact, you can put as little as $0 down on a new build home.

Our pre-approval process is quick, easy, and painless. Call today to chat with one of the John Z Home Loan team members.

Builders We Trust

Did you know that our team is the lender of preference for two local home builders and a secondary lender for several others?

In case you are wondering what a preferred lender really is, it means that when using a preferred lender, you can take advantage of monetary incentives. Depending on the builder, the buyer may apply incentives toward closing costs, upgrading items in the design center, or reducing their rate.

Communities We Partner With

  • Scott Communities: Scott Communities was established in 1994 and started off as a small company with a huge vision. Their goal is to build distinctive, quality homes, all while creating attractive communities allowing families to grow together.
  • Hillstone Homes: Hillstone Homes delivers an exceptional experience to the market. They are committed to building quality homes with high energy efficiency standards
  • Mattamy Homes: Mattamy is meticulous about every single aspect of community planning. They acquire the land, design homes, and create people spaces, including biking trails, parks, and more.
  • DR Horton Homes: The foundation of DR Horton Homes is simple. They value the individual needs of every homebuyer, from first-time homebuyers to empty nesters. No matter your stage in life, they have something for you.
  • Century Communities: Century Communities offers a versatile selection of single-family homes, townhomes, and condos in various locations all over the country. They are available to purchase on-site or via their industry’s first online purchase process.

Online Pre-Approval

Call for a free consultation

Fill out the form to see if you qualify for our $0 down program for a new build home!

We also offer special government programs for those who have lower credit scores and need a path to loan approval – ask us to learn more! Have questions about these Arizona programs? Give us a call.

Online Pre-Approval

Call for a free consultation

new build loan programs

Affordable Down Payments

Put as little as 0% down on a new build home with no borrower-paid mortgage insurance required.

new build loan programs

Buy More House

Qualify for more financing with flexible debt to income limits.
new build loan programs

Fast Financing

We’ll help you close quickly, so you can get into your new build home in no time.

new build loan programs

Painless Pre-Approval

Chat with one of the John Z Home Loan Team members to get a pre-approval on your next home. Call today.

new build loan programs

Exclusive Rates

Get exclusive rates personalized to your needs for your new build home loan.

We Have Special Government Programs For People With Low Credit Scores

First Time Home Buyers

Learn about our Down payment assistance


We help you get in a house with less than ideal credit


Free credit analysis and coaching


Personalized touch and approach

What Clients Are Saying

“Our current house, built by Scott Communities, is our sixth new home. We have experience with five builders. Compared to the others, our current home is well-built and a good value. We like the layouts of the Scott homes. They have been easy to work with. After living in the house, we found only a few minor items that needed to be fixed under warranty. They took care of them right away.”

- Paul B.

“My experience buying a new home with Hillstone was positive, and the entire purchase process was completed as promised, including selection of many available options and upgrades. During the 5 month building phase I visited the site often and enjoyed seeing my new home constructed. All the staff at Hillstone were always friendly and available to answer my questions along the way.”

“Having now been in my new Hillstone home for the past 18 months, I am very pleased with the quality of materials and construction. All of the components of my house, including HVAC, plumbing and fixtures, flooring, cabinetry, roofing and interior/exterior walls have had no defects. Hillstone also provides an extensive warranty which is very reassuring.”

- Gerard G.

Our Trusted Builders

Did you know The John Z Home Loan Team is the preferred lender for two local home builders and secondary lender for a few others?
What does a preferred lender mean?
This means that when using the preferred lender this offers the buyer monetary incentives. Depending on the builder, the buyer may use their incentives towards either upgrading items in the design center, closing costs, or lower your initial rate.

Be sure to check to visit the communities that we partner with:

Established in 1994, Scott Communities began as a small company with a big vision: to build distinctive, quality homes while creating attractive communities where families can grow together. Scott Communities has truly earned its reputation as a leading new home builder. Our frequent referrals from satisfied homeowners are a testament to our success.

Want more info on Scott Communities Homes?

Hillstone Homes bring its experience to the market with a commitment to building quality homes, built to high energy efficiency standards, with a standard of building you a home you will be proud to own and which will give you decades of enjoyment.

Want more info on Hillstone Homes?

Mattamy is rigorous about every single aspect of community planning. We acquire the land, design the homes, plan the streets, and we create the people spaces—the walking and biking trails, parks, and other community features. Named New Urbanism it called for homes to be more individual in character, designed into friendlier communities, infused with integrated green space, and with consideration given to people over cars.

Want more info on Mattamy Homes?

DR Horton Homes

Our foundation is a single, guiding principle: a value-first dedication to the individual needs of each and every one of our nation’s homebuyers. From first-time homebuyers to empty nesters, our family of brands provides a home for every stage in life. Build your new home today!

Want more info on DR Horton Homes?

Century Communities

A home for every dream. Century Communities offers a versatile selection of single-family homes, condos, and townhomes in prime locations from coast to coast—with homes available for purchase on-site or through our industry-first online purchase process!

Want more info on Century Communities?

The Valley is Our Backyard

We know the Valley and support our local businesses and families.  Why go to mortgage companies that are not familiar with your area.  We are located right here in the Valley so we can approve loans faster.

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Barret Financial, Inc.**, 1550 E. McKellips Road, Suite 117, Mesa, AZ  85203 (NMLS # 145368). 1-877-276-1974. © 2023. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Barret Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. Visit NMLS Consumer Access at