Andria TownsendMortgage Loan Originator · NMLS #2154631

Mesa, AZ · Maricopa County

Mesa home loans, from older ranch homes to new east Mesa builds

Quick answer

Looking for a mortgage lender in Mesa, AZ? I'm Andria Townsend, a loan officer with NEXA Mortgage in the East Valley. Mesa is in Maricopa County, so Home in Five and Home Plus down payment help can apply. Mesa has a wide mix of housing, from older homes where a renovation loan can help to newer communities in east and southeast Mesa.

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Andria Townsend, NMLS #2154631 · NEXA Mortgage, LLC, NMLS #1660690 · San Tan Valley, AZ · Updated October 2026

Andria Townsend, Arizona mortgage loan originator, NMLS #2154631

Key facts at a glance

County Maricopa
Down payment help Home in Five and Home Plus · Arizona Is Home not available
2026 FHA / conforming limits $557,750 / $832,750
Older homes FHA 203(k) or HomeStyle can finance repairs
Note Apache Junction, just east, reaches into both counties

What loans work best in Mesa?

It depends on the home. In older parts of Mesa, FHA and conventional loans are common, and the appraisal and inspection matter more. In newer east Mesa communities, you'll compare builder incentives against an outside lender. VA loans are popular across the city.

Can I buy an older Mesa home and fix it up with one loan?

Yes. A renovation loan rolls the purchase and repairs into one mortgage. HUD raised the FHA Limited 203(k) repair cap to $75,000 in 2024, which covers a lot of roof, HVAC, kitchen, and flooring work.

Is there down payment help in Mesa?

Yes. Mesa 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 know about insurance on older Mesa homes?

Roof age, older electrical panels, and plumbing can affect your insurance quote, and insurance counts in your payment when you qualify. Get a quote once you're under contract, using the real address and roof age. Read how insurance affects affordability in Maricopa County.

Subject to eligibility, credit approval, and program guidelines. Programs can change.

Frequently asked questions

Is Mesa, AZ in Maricopa County?

Yes. Mesa is in Maricopa County.

Can I use Arizona Is Home in Mesa?

No. It isn't offered in Maricopa County. Home in Five and Home Plus can apply in Mesa.

Can I finance repairs on a Mesa home?

Yes. FHA 203(k) and Fannie Mae HomeStyle renovation loans can roll repair costs into your mortgage.

What are the 2026 loan limits in Mesa?

For a one-unit home, FHA is $557,750 and conforming is $832,750.

Do I have to use the builder's lender for a new build in east Mesa?

No. You can compare the builder's offer with an outside lender.

Can veterans use VA loans in Mesa?

Yes. VA loans work anywhere in Arizona for eligible borrowers, with no monthly mortgage insurance.

Related reading from my blog

Arizona loan programs

FHA Loans Flexible credit rules. 2026 limit: $557,750 in Maricopa and Pinal County. VA Loans For veterans and service members. No monthly mortgage insurance. Conventional Loans 2026 limit: $832,750. PMI can come off as you build equity. Jumbo Loans For loan amounts above $832,750 in 2026. USDA Loans Eligible areas across much of Pinal County. Income limits apply. Down Payment Assistance Home Plus, Arizona Is Home, Home in Five, and Phoenix Open Doors. First-Time Buyers Step-by-step help, from credit to closing day. Refinancing Lower your payment, drop mortgage insurance, or tap equity. Renovation Loans Roll purchase and repair costs into one mortgage.

Areas I serve in Pinal and Maricopa County

Pinal County San Tan Valley, Florence, Maricopa, Casa Grande and more. Maricopa County Phoenix, Mesa, Gilbert, Chandler and the West Valley. San Tan Valley I live here. New builds, HOAs, solar, and town changes. Queen Creek Two counties, one mailing city. I'll sort it out. Florence USDA-eligible spots, Merrill Ranch CFD, and VA help. Maricopa (city) The city is in Pinal County. Here's what that changes. Casa Grande I-10 corridor buyers, older homes, and new builds. Gilbert Move-up buyers, jumbo options, and Maricopa County help. Mesa Older homes, renovation loans, and new east Mesa builds. Chandler Relocation pre-approvals, conventional and jumbo options. Phoenix City of Phoenix Open Doors, Home in Five, and more.

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Tell me a little about what you need. I’ll reach out to talk through your options. No SSN needed to start.

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.