Maricopa County, Arizona
Maricopa County home loans for the whole Valley
Looking for a mortgage lender in Maricopa County? I'm Andria Townsend, a loan officer with NEXA Mortgage, and I help buyers and homeowners across Phoenix, Mesa, Gilbert, Chandler, Scottsdale, and the West Valley. Maricopa County shares Pinal's 2026 loan limits, but its down payment options are different: Home in Five and Home Plus work here, while Arizona Is Home does not.
Andria Townsend, NMLS #2154631 · NEXA Mortgage, LLC, NMLS #1660690 · San Tan Valley, AZ · Updated October 2026
Key facts at a glance
| 2026 FHA limit (1 unit) | $557,750 |
|---|---|
| 2026 conforming limit | $832,750 (jumbo above that) |
| Down payment help | Home in Five Advantage, Home Plus, and Phoenix Open Doors (city of Phoenix) |
| Not available here | Arizona Is Home |
| Insurance trend | Arizona premiums rose an average of 48% from 2021 to 2024 (Consumer Federation of America) |
What should Maricopa County buyers know about home loans?
Maricopa County is big and varied, from 1950s ranch homes in central Phoenix to new builds in Buckeye and higher-priced homes in Scottsdale and Paradise Valley. The loan rules are the same countywide, but the right loan changes with the home. Older homes can raise appraisal and insurance questions. Higher prices bring jumbo loans into play above $832,750.
What down payment help is available in Maricopa County?
- Home in Five Advantage: forgivable assistance for homes in Maricopa County, not limited to first-time buyers.
- Home Plus: Arizona's statewide program, forgiven after five years if you stay.
- City of Phoenix Open Doors: for income-qualified first-time buyers purchasing in Phoenix.
Arizona Is Home isn't offered in Maricopa County. If you're shopping on both sides of the Pinal line, the county can change your options. See Arizona down payment assistance.
How does home insurance affect what I can afford here?
Your lender counts insurance in your monthly payment, so a higher premium means a lower price range. Arizona premiums rose an average of 48% from 2021 to 2024, per the Consumer Federation of America. Get quotes early. Read how home insurance affects affordability in Maricopa County.
Maricopa County cities I serve
Phoenix, Mesa, Gilbert, Chandler, Queen Creek, Scottsdale, Tempe, Glendale, Peoria, Surprise, Goodyear, Buckeye, and the Maricopa County side of Apache Junction.
Is the city of Maricopa in Maricopa County?
No, and it trips people up all the time. The city of Maricopa is in Pinal County, so Maricopa County programs like Home in Five don't apply there. See home loans in Maricopa, AZ.
Subject to eligibility, credit approval, and program guidelines. Programs can change.
Frequently asked questions
What is the conforming loan limit in Maricopa County in 2026?
$832,750 for a one-unit home. Above that is a jumbo loan.
What is the FHA loan limit in Maricopa County in 2026?
$557,750 for a one-unit home.
Can I use Arizona Is Home in Maricopa County?
No. Arizona Is Home isn't offered in Maricopa or Pima County. Home in Five and Home Plus are available instead.
Is Home in Five only for first-time buyers?
No. Home in Five Advantage isn't limited to first-time buyers. Income and credit rules apply.
Is the city of Maricopa in Maricopa County?
No. The city of Maricopa is in Pinal County.
Do you help buyers in the West Valley?
Yes. I help buyers across Maricopa County, including Glendale, Peoria, Surprise, Goodyear, and Buckeye.
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.