Areas served
Home loans across Arizona, with local know-how in Pinal and Maricopa County
I'm a mortgage loan originator based in San Tan Valley, and I help buyers and homeowners anywhere in Arizona. I focus on Pinal County (San Tan Valley, Queen Creek, Florence, Maricopa, Casa Grande) and the Maricopa County side of the Valley (Gilbert, Mesa, Chandler, Phoenix). The county a home sits in changes which down payment programs, tax bills, and USDA options apply.
Andria Townsend, NMLS #2154631 · NEXA Mortgage, LLC, NMLS #1660690 · San Tan Valley, AZ · Updated October 2026
Why the county matters for your loan
| Loan limits | Same in both counties (Phoenix-Mesa-Chandler metro): FHA $557,750, conforming $832,750 in 2026 |
|---|---|
| Arizona Is Home | Pinal County: yes · Maricopa County: no |
| Home in Five Advantage | Maricopa County only |
| Home Plus | Statewide |
| USDA eligibility | Common in Pinal County; rare in Maricopa County's built-up areas |
| Property tax bill | Set by the county the home is in, plus any town, school, and special districts |
Which areas do you serve?
All of Arizona. I'm licensed to originate loans across the state, and I work by phone, Zoom, and e-signature, so distance isn't a problem. My deepest local knowledge is in the southeast Valley and Pinal County, where I live.
Pinal County
Pinal County overview · San Tan Valley · Queen Creek (both counties) · Florence · Maricopa (the city) · Casa Grande · Coolidge · Eloy · Arizona City · Apache Junction (both counties)
Maricopa County
Maricopa County overview · Gilbert · Mesa · Chandler · Phoenix · Scottsdale · Tempe · Glendale · Peoria · Surprise · Goodyear · Buckeye
The rest of Arizona
Tucson, Flagstaff, Prescott, Yuma, Lake Havasu City, and everywhere in between. Statewide programs like Home Plus and every loan type I offer work across Arizona.
Why do Queen Creek and Apache Junction get tricky?
Both towns reach into two counties. A home's mailing city doesn't tell you its county or even its town. Before we lock in a down payment program or estimate taxes, I check the parcel on the county assessor's site.
Subject to eligibility, credit approval, and program guidelines. Programs can change.
Frequently asked questions
Do you only help buyers in San Tan Valley?
No. I'm based in San Tan Valley, but I help buyers and homeowners anywhere in Arizona.
Are loan limits different in Pinal County and Maricopa County?
No. Both are in the Phoenix-Mesa-Chandler metro, so they share the same 2026 limits: FHA $557,750 and conforming $832,750 for a one-unit home.
Which down payment programs work in Pinal County?
Home Plus (statewide) and Arizona Is Home. Home in Five is limited to Maricopa County.
Which down payment programs work in Maricopa County?
Home Plus and Home in Five Advantage. Phoenix buyers can also look at the City of Phoenix Open Doors program. Arizona Is Home isn't offered in Maricopa County.
Can you help if I'm moving to Arizona from another state?
Yes. We can get you pre-approved before you arrive so you can shop with confidence.
Do we have to meet in person?
No. We can do everything by phone, text, Zoom, and e-signature.
Related reading from my blog
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.