Prescott's most sought-after neighborhoods include the Historic District, with its charming older homes, and the Fain Ranch area, known for its newer constructions and family-friendly atmosphere. Other popular areas include Watson Lake Estates and Prescott Lakes, offering a mix of housing styles and amenities. NMHL's local expertise can help you navigate these neighborhoods and find the best mortgage options.

Property taxes in Prescott average around 0.55% of the assessed value, which is relatively low compared to other parts of the country. This translates to manageable monthly costs when factored into your mortgage payment. NMHL can help you understand how property taxes will impact your overall housing expenses.

Arizona offers several first-time homebuyer programs, including the Arizona Home Plus program, which provides down payment assistance and competitive interest rates. NMHL's loan officers are familiar with these programs and can help you determine your eligibility. We also offer our own specialized mortgage products for first-time buyers, with benefits like lower down payment requirements and reduced mortgage insurance premiums.

While bad credit can make it more challenging to secure a mortgage, NMHL specializes in helping borrowers with less-than-perfect credit. We offer alternative mortgage programs that consider factors beyond your credit score, such as income and debt-to-income ratio. Our loan officers will work with you to identify the best mortgage options for your situation, even with bad credit.

Prescott is served by the Prescott Unified School District, which is highly rated by local residents. Homes located within the district's boundaries tend to hold their value well, making them attractive to families and investors alike. NMHL's knowledge of the local real estate market can help you understand how school districts impact home values and make informed decisions about your mortgage.

NMHL offers several down payment assistance programs, including the Arizona Home Plus program, which provides up to 4% of the loan amount towards down payment and closing costs. We also offer our own down payment assistance options, such as the NMHL Advantage program, which can help reduce your upfront costs. Our loan officers can help you explore these options and determine the best fit for your situation.