You don't need 20% down to buy a home
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While you are waiting why don't you look at the latest available homes for sale in Arizona?
A short video on the home buying process.
4347 E CARTER DrivePhoenixAZ85042
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21 W WILSHIRE DrivePhoenixAZ85003
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19822 W PASADENA AvenueLitchfield ParkAZ85340
9940 E DESERT COVE AvenueScottsdaleAZ85260
2109 W CAMPBELL AvenuePhoenixAZ85015
7027 E MIGHTY SAGUARO WayScottsdaleAZ85266
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2143 E MONTEBELLO AvenuePhoenixAZ85016
8255 N 73RD PlaceScottsdaleAZ85258