Shane Milne | Loan Officer in Orange County, CA | NMLS #81195
Direct local #'s: 949-273-4161 or 646-257-4842
Lending in all 50 states, all types of mortgages
Talk with a lender, it is a free conversation to have and in this market, getting pre-approved should be the first thing a person does.
Best of luck.
The USDA program is only available in rural or designated areas. If you're purchasing in a larger city, the USDA loan is probably not available. Marana may be eligible or if you're in another smaller part of the Tucson area, you may be able to use a USDA loan which is also a 100% loan to value product, meaning no down payment if that's what you're looking for.
Let me know if you'd like a contact for more information on available loan products utilizing only one spouse in Arizona.