Arizona Home Loan Guides from Andria Townsend
Plain-English answers on FHA, VA, first-time buyer programs and refinancing, from an Arizona loan officer.
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.
Do You Still Need a 620 Credit Score to Buy in Arizona?
by: Andria TownsendPublished on: 25/09/2026Fannie Mae dropped its 620 credit score minimum for DU loans. Here's what that means for Arizona and Pinal County buyers, plus FHA, VA and USDA rules.
Can the Seller Pay Your Closing Costs in Pinal County?
by: Andria TownsendPublished on: 24/09/2026Yes, sellers can help pay your closing costs in Pinal County. See the FHA, VA, USDA and conventional limits and how to ask for a seller credit.
