Maricopa, AZ · Pinal County
Maricopa, AZ home loans: it's Pinal County, and that matters
Looking for a mortgage lender in Maricopa, AZ? I'm Andria Townsend, a Pinal County loan officer with NEXA Mortgage. The city of Maricopa is in Pinal County, not Maricopa County. That means Arizona Is Home and Home Plus can apply here, but Maricopa County's Home in Five program does not. Loan limits are the same as the rest of the Phoenix metro.
Andria Townsend, NMLS #2154631 · NEXA Mortgage, LLC, NMLS #1660690 · San Tan Valley, AZ · Updated October 2026
Key facts at a glance
| County | Pinal (not Maricopa County) |
|---|---|
| Down payment help | Arizona Is Home and Home Plus · Home in Five does NOT apply |
| 2026 FHA / conforming limits | $557,750 / $832,750 |
| Flood insurance | Required only for homes in FEMA high-risk zones |
| USDA | Depends on the exact address |
Is Maricopa, AZ in Maricopa County?
No. The city of Maricopa is in Pinal County, south of the Gila River Indian Community. Same name, different county, and the county decides a lot of your loan options. Read Maricopa, AZ is in Pinal County.
What down payment help can I use in Maricopa, AZ?
Arizona Is Home and Home Plus. Home in Five requires a home in Maricopa County, so it doesn't cover the city of Maricopa. Buyers sometimes plan around the wrong program, so let's confirm it early. See Arizona down payment assistance.
Do I need flood insurance in Maricopa, AZ?
Only if the home is in a FEMA high-risk flood zone and you have a federally backed loan. Some parts of Maricopa are mapped that way. Check the flood zone before you write an offer, because flood insurance changes your payment. Read flood insurance in Maricopa, AZ.
Should I ask for a price cut or a rate buydown?
When homes sit longer, sellers are more open to concessions. A seller-paid rate buydown can lower your payment more than the same dollars off the price, or not, depending on how long you'll keep the loan. I run both. Read price cut vs rate buydown in Maricopa.
Which loans fit Maricopa buyers?
FHA, conventional, and VA loans cover most buyers here, and USDA is worth checking address by address.
Subject to eligibility, credit approval, and program guidelines. Programs can change.
Frequently asked questions
Is the city of Maricopa in Maricopa County?
No. The city of Maricopa, AZ is in Pinal County.
Can I use Home in Five in Maricopa, AZ?
No. Home in Five requires a home in Maricopa County. Arizona Is Home and Home Plus can apply instead.
What are the 2026 loan limits in Maricopa, AZ?
For a one-unit home, FHA is $557,750 and conforming is $832,750, the same as the rest of the Phoenix metro.
Do I need flood insurance in Maricopa, AZ?
Only if the home is in a FEMA high-risk flood zone and you have a federally backed mortgage. Check the zone early.
Is Maricopa, AZ USDA eligible?
It depends on the exact address. Send it to me and I'll check USDA's map.
Who sets property taxes in Maricopa, AZ?
The Pinal County Assessor sets values and the Pinal County Treasurer collects the bill.
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.