Bill Kerbs is an Arizona mortgage broker who believes buying a home shouldn’t feel like a scam or a pop quiz. He specializes in smart financing, down payment assistance programs, and creative solutions for buyers who don’t have piles of cash sitting around. First-time buyers, self-employed, credit fixes, “everyone told me no” situations—this is his lane. Straight talk, zero fluff, and a heavy focus on helping people get in the door without draining their life savings. If there’s a legit program that helps you buy sooner, Bill knows it—and how to use it.