Based in San Tan Valley · Serving all of Arizona
Arizona home loans, explained in plain English.
I'm Andria Townsend, a mortgage loan originator with NEXA Mortgage. I help buyers and homeowners across Pinal and Maricopa County compare their options and get to closing without surprises.
How it works
Three steps to the keys
Tell me your goal
A quick call or the short form below. Buying, moving up, or refinancing.
Get pre-approved
I review your credit, income, and assets and show you real options side by side.
Shop and close
You shop with a strong pre-approval, and I keep you posted until closing day.
Meet Andria
A neighbor who explains every step
I've called Arizona home for more than 15 years, and I live in San Tan Valley in Pinal County. I explain what's actually happening with your loan, answer questions in plain English, and stay reachable from application to closing day.
Whether you're buying your first home, moving up, or refinancing the one you're in, I'm glad to help. I'm active in my Pinal County community, so when you work with me, you're working with a neighbor.
Plain-English answers, from application to closing day.
Arizona home loan guides
Answers to the questions buyers ask
Property taxesArizona Property Taxes Due November 2026: Homeowner Guide
Pinal CountyMaricopa, AZ Is in Pinal County: What It Means for Your Loan
Down payment helpArizona Is Home Down Payment Help in San Tan Valley (2026)Questions I hear a lot
How much do I need for a down payment?
It depends on the loan program. Some programs, like VA and USDA, are built for buyers who haven't saved much, and Arizona down payment help may cover part of it. Let's look at what fits you.
What credit score do I need to buy a home?
It depends on the loan. FHA loans can work with lower scores than conventional loans. If your score isn't where you want it, I'll show you what to work on and when to apply.
What's the difference between pre-qualified and pre-approved?
Pre-qualified is a quick guess based on what you tell me. Pre-approved means I've checked your credit, income, and assets. Sellers take a pre-approval much more seriously.
How long does it take to close on a home?
Most purchases close in about 30 to 45 days. It can be faster or slower based on your loan and how quickly we get your paperwork. I'll keep you posted every step of the way.
What documents will I need?
Usually recent pay stubs, W-2s or tax returns, and bank statements. If you're self-employed, we'll need a bit more. I'll send you a simple checklist so you're not guessing.
Are there programs for first-time buyers in Arizona?
Yes. Arizona has down payment assistance and first-time buyer programs, and some are open to repeat buyers too. Rules and funding change, so ask me which ones you qualify for right now.
Should I refinance my home?
It can make sense if it lowers your payment, shortens your loan, or lets you use your equity. It doesn't always pay off. I'll run the real numbers so you can decide.
Does it cost anything to talk with you?
No. A call or pre-approval is free, with no pressure. You'll get clear answers and honest numbers, then you decide what's next.
Arizona loan programs
Areas I serve in Pinal and Maricopa County
Free, no-pressure review
Let’s look at your real numbers
Tell me a little about what you need. I’ll reach out to talk through your options. No SSN needed to start.
By sending this form, you agree that Andria Townsend may contact you by phone, text, or email about your request. Consent isn’t a condition of any loan. Message and data rates may apply. Your information is never sold. Prefer to talk? Call (480) 487-9166 or schedule a Zoom call. NMLS #2154631.