Arizona Home Loan Guides from Andria Townsend
Plain-English answers on FHA, VA, first-time buyer programs and refinancing, from an Arizona loan officer.
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.
Buying a Second Home in Arizona as a Winter Visitor: Loan and Tax Rules
by: Andria TownsendPublished on: 23/10/2026Buying a second home in Arizona as a winter visitor? How lenders define a second home vs. an investment property, FHA and VA limits, and Arizona tax class.
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 Property Taxes Due November 2026: Homeowner Guide
by: Andria TownsendPublished on: 17/10/2026First-half 2026 property taxes in Maricopa and Pinal County are delinquent after 5 p.m. Nov. 2. What late Maricopa bills, escrow, and closing mean for you.
Queen Creek Water Resource Fee: Will Your Payment Change?
by: Andria TownsendPublished on: 08/10/2026The Queen Creek water resource fee moves a cost off your property tax bill and onto your water bill. Here's what it means for your mortgage payment.
How Home Insurance Affects Affordability in Maricopa County
by: Andria TownsendPublished on: 30/09/2026Home insurance counts in your monthly payment when you apply for a loan. See how Maricopa County premiums can change how much house you can afford.
