Chandler, AZ · Maricopa County
Chandler home loans for local and relocating buyers
Looking for a mortgage lender in Chandler, AZ? I'm Andria Townsend, a loan officer with NEXA Mortgage in the East Valley. Chandler is in Maricopa County, so Home in Five and Home Plus down payment help can apply. If you're relocating for work, getting pre-approved before you arrive makes shopping much easier.
Andria Townsend, NMLS #2154631 · NEXA Mortgage, LLC, NMLS #1660690 · San Tan Valley, AZ · Updated October 2026
Key facts at a glance
| County | Maricopa |
|---|---|
| Down payment help | Home in Five and Home Plus · Arizona Is Home not available |
| 2026 conforming limit | $832,750 (jumbo above) |
| 2026 FHA limit | $557,750 |
| Relocating? | Get pre-approved before you arrive |
I'm relocating to Chandler for work. How do I start?
Get pre-approved before you fly in for house hunting. I'll need recent pay stubs or an offer letter, W-2s, and bank statements. If you're starting a new job, many loans can use a signed offer letter, with rules about start dates. Being pre-approved lets your agent show you the right homes and makes your offer stronger.
What loans do Chandler buyers use?
Conventional loans are common, and jumbo loans come in above $832,750. FHA helps first-time buyers, and VA is a strong fit for veterans. If you have stock compensation or bonus income, I'll look at how lenders can count it.
Is there down payment help in Chandler?
Yes. Chandler is in Maricopa County, so Home in Five and Home Plus can apply. Arizona Is Home isn't offered in Maricopa County. See Arizona down payment assistance.
What should I budget for besides the mortgage?
Property taxes, homeowners insurance, and HOA dues all count in your payment. Insurance has climbed across Arizona, so get quotes early. Read how insurance affects affordability.
Subject to eligibility, credit approval, and program guidelines. Programs can change.
Frequently asked questions
Is Chandler, AZ in Maricopa County?
Yes. Chandler is in Maricopa County.
Can I get pre-approved before I move to Chandler?
Yes. I can pre-approve you from out of state using your pay stubs or offer letter, W-2s, and bank statements.
Can I use an offer letter to qualify for a mortgage?
Often, yes, with rules about your start date and the type of job. Let's review your situation.
When do I need a jumbo loan in Chandler?
When the loan amount is above $832,750, the 2026 conforming limit.
Can I use Arizona Is Home in Chandler?
No. It isn't offered in Maricopa County. Home in Five and Home Plus can apply.
Can bonus or RSU income count toward my mortgage?
Sometimes, if it has enough history and is likely to continue. Lenders have specific rules, and I'll walk you through them.
Related reading from my blog
Arizona loan programs
Areas I serve in Pinal and Maricopa County
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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.