If your a first time home buyer in Northern Arizona we can help you make your dream come true.  Jim and Terry Tress have a program set up for first time home buyers in the Flagstaff area.  Affordable housing has been a major concern in Flagstaff for some time.  There are several programs that are available to help with down payment assistance, costs associated with a new mortgage, etc.  If your serious about purchasing Real Estate in the Flagstaff area, give Jim and Terry Tress of Russ Lyon Realty Co. of Flagstaff a call at 928-779-5966