First-time homebuyers in Arizona should organize finances by checking credit scores (ideally 620+), managing debt-to-income ratios below 43%, and avoiding new credit. Down payments can be as low as 0-3.5% with various loan types and assistance programs offering grants, second mortgages, or tax credits. Pre-approval requires verified financial documents and strengthens offers. Inspect HVAC, roofs, and structural elements due to desert climate. Conduct professional home inspections and use inspection notices to request repairs or cancel contracts if needed.