Florence, AZ · Pinal County
Florence, AZ home loans: USDA, VA, FHA and more
Looking for a mortgage lender in Florence, AZ? I'm Andria Townsend, a Pinal County loan officer with NEXA Mortgage. Florence is the Pinal County seat, and when I checked USDA's map in October 2026, addresses in Anthem at Merrill Ranch, Magma Ranch, and near downtown came back eligible. Buyers here should also plan for Community Facilities District taxes in some neighborhoods.
Andria Townsend, NMLS #2154631 · NEXA Mortgage, LLC, NMLS #1660690 · San Tan Valley, AZ · Updated October 2026
Key facts at a glance
| County | Pinal (Florence is the county seat) |
|---|---|
| USDA | Addresses checked in Anthem at Merrill Ranch, Magma Ranch, and downtown were eligible (Oct. 2026) |
| USDA income limit | $129,250 (1 to 4 people); $170,650 (5 to 8) |
| CFD tax | On many Anthem at Merrill Ranch tax bills |
| Down payment help | Arizona Is Home and Home Plus |
| Veterans | 100% disabled veterans can have their home fully exempt from Arizona property tax |
Is Florence, AZ eligible for USDA loans?
Much of it was when I checked in October 2026. Homes I ran in Anthem at Merrill Ranch, Magma Ranch, off N Wilderness Way, and near downtown all came back eligible on USDA's map. Your household income also has to fit USDA's limit. Maps can change, so I check the exact address when you're buying. Full guide: Is Florence, AZ USDA eligible?
What is the CFD tax in Anthem at Merrill Ranch?
A Community Facilities District tax helps pay for neighborhood infrastructure. It shows up on many Merrill Ranch tax bills and goes into your escrow, so it affects your monthly payment and what you qualify for. Read the Merrill Ranch CFD tax guide.
What should veterans buying in Florence know?
VA loans are a strong fit here. Arizona also now fully exempts the home of a veteran with a 100% service-connected disability rating from property tax, which can lower your payment a lot. See disabled veteran property tax in Florence.
What other loans work in Florence?
FHA and conventional loans both work well, and Florence's new construction often pairs with builder incentives. You can compare those against an outside lender. Down payment help from Arizona Is Home and Home Plus is available because Florence is in Pinal County.
Subject to eligibility, credit approval, and program guidelines. Programs can change.
Frequently asked questions
Is Florence, AZ USDA eligible?
Many addresses are. When I checked in October 2026, homes in Anthem at Merrill Ranch, Magma Ranch, and near downtown came back eligible. Always check the exact address.
What county is Florence, AZ in?
Pinal County. Florence is the county seat.
What is the CFD tax in Merrill Ranch?
It's a Community Facilities District tax that helps pay for local infrastructure. It appears on many Merrill Ranch tax bills and affects your monthly escrow.
Do disabled veterans pay property tax in Florence?
Arizona fully exempts the home of a veteran with a 100% service-connected disability rating. Other exemptions may apply at lower ratings. Check with the Pinal County Assessor.
Can I use Arizona Is Home in Florence?
Yes. Florence is in Pinal County, where Arizona Is Home is offered.
Can I use a USDA loan on a new build in Florence?
Yes, if the address is eligible and the home meets USDA standards.
Related reading from my blog
Arizona loan programs
Areas I serve in Pinal and Maricopa County
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