The biggest problem with your question, Emma, is that we don't know how low is "low" to you?
The best advice I could give you would be to consult with a local, reputable mortgage lender. Being a first time buyer is not the issue, but there are MANY other factors besides income that go into securing mortgage loan pre-qualification in Arizona. If you want or need a referral to a great lender or two, just email me via my Trulia profile.
All the best!