Arizona Home Loan Guides from Andria Townsend
Plain-English answers on FHA, VA, first-time buyer programs and refinancing, from an Arizona loan officer.
Manufactured Home Loans in Pinal County: What Makes One Financeable
by: Andria TownsendPublished on: 02/11/2026Manufactured home loan in Pinal County? What Fannie Mae, FHA, VA and USDA require, plus Arizona's affidavit of affixture that makes the home real property.
Septic Inspection in Pinal County: Arizona's Transfer Rule and Your Home Loan
by: Andria TownsendPublished on: 28/10/2026Buying a home on septic in Pinal County? Arizona's transfer inspection rule, who orders it, the 15-day Notice of Transfer, and what lenders look for.
Arizona Real Estate Transfer Tax: What You Pay at Closing
by: Andria TownsendPublished on: 26/10/2026Arizona has no real estate transfer tax. What the constitution says, the $2 recorder fee, the sales affidavit, and closing costs you'll still see.
Arizona Loan Status Update (LSU): What It Is and When It's Due
by: Andria TownsendPublished on: 21/10/2026The Arizona Loan Status Update (LSU) is due within 10 days after contract acceptance. What it shows, who fills it out, and why it can set your loan terms.
Arizona HOA Transfer Fees at Closing: What the November 2026 Addendum Changes
by: Andria TownsendPublished on: 20/10/2026Arizona HOA transfer fees at closing change November 1, 2026: buyers offer one capped total and sellers pay the rest. What it means for your cash to close.
Arizona Community Property: Does Your Spouse's Debt Count on an FHA or VA Loan?
by: Andria TownsendPublished on: 19/10/2026In Arizona, a spouse's debts can count on your FHA or VA loan even if they're not on it. What HUD and VA require, what can be excluded, and what to do.
How HOA Dues Affect Your Pre-Approval in San Tan Valley
by: Andria TownsendPublished on: 18/10/2026HOA dues count in your debt-to-income ratio, so they change how much home you qualify for in San Tan Valley. Here's how lenders treat HOA fees.
Spam Calls After a Credit Pull? Arizona Trigger Lead Ban
by: Andria TownsendPublished on: 17/10/2026Since March 5, 2026, a federal law limits mortgage trigger leads. Here's why Arizona buyers got spam calls after a credit pull, and what's different now.
Student Loans and Buying a Home in Arizona After RAP
by: Andria TownsendPublished on: 13/10/2026Student loans can still work with an Arizona mortgage. Here's how Fannie Mae and FHA count your payment, and what the new RAP plan changes for buyers.
VantageScore 4.0 and Your Arizona Home Loan: What Changed
by: Andria TownsendPublished on: 12/10/2026Arizona lenders can now use VantageScore 4.0 on Fannie and Freddie loans, and FHA adds it Jan. 1, 2027. Here's what the new credit scores mean for you.
