Phoenix, AZ · Maricopa County
Phoenix home loans, including city and county down payment help
Looking for a mortgage lender in Phoenix? I'm Andria Townsend, a loan officer with NEXA Mortgage. Phoenix buyers can use FHA, VA, conventional, and jumbo loans, plus down payment help from Home Plus, Home in Five (Maricopa County), and the City of Phoenix Open Doors program for income-qualified first-time buyers. Arizona Is Home isn't offered in Maricopa County.
Andria Townsend, NMLS #2154631 · NEXA Mortgage, LLC, NMLS #1660690 · San Tan Valley, AZ · Updated October 2026
Key facts at a glance
| County | Maricopa |
|---|---|
| City program | Open Doors: first-time buyers at or under 80% of area median income, homes in Phoenix, homebuyer education required |
| County program | Home in Five Advantage |
| Statewide program | Home Plus |
| 2026 FHA / conforming limits | $557,750 / $832,750 |
What down payment help is available in Phoenix?
Phoenix buyers have more options than most. The City of Phoenix Open Doors program helps first-time buyers at or under 80% of area median income buy a home inside city limits, and it requires a homebuyer education class and counseling. Funding is limited, so timing matters. Home in Five Advantage covers Maricopa County, and Home Plus is statewide. See Arizona down payment assistance.
Which loans work best for Phoenix homes?
Phoenix has everything from historic and mid-century homes to new builds on the edges. FHA and conventional loans cover most buyers. Jumbo loans come in above $832,750 in higher-priced areas. VA loans serve the Valley's large veteran community.
Can I buy an older Phoenix home that needs updates?
Yes. A renovation loan like the FHA 203(k) or Fannie Mae HomeStyle can finance repairs with the purchase. Older homes can also raise insurance questions about roofs, electrical panels, and plumbing, so get quotes early.
Do you only work in the East Valley?
No. I'm based in San Tan Valley, but I help buyers across Phoenix and the rest of Maricopa County, mostly by phone, Zoom, and e-signature.
Subject to eligibility, credit approval, and program guidelines. Programs can change.
Frequently asked questions
Is there down payment assistance in Phoenix?
Yes. The City of Phoenix Open Doors program, Home in Five Advantage for Maricopa County, and statewide Home Plus. Each has its own rules.
Who qualifies for Phoenix Open Doors?
First-time buyers at or under 80% of area median income buying a home in the city of Phoenix, who complete homebuyer education and counseling. Funding is limited.
Can I use Arizona Is Home in Phoenix?
No. Arizona Is Home isn't offered in Maricopa County.
What are the 2026 loan limits in Phoenix?
For a one-unit home, FHA is $557,750 and conforming is $832,750.
Can I finance repairs on an older Phoenix home?
Yes, with an FHA 203(k) or Fannie Mae HomeStyle renovation loan.
Do you help buyers in Phoenix even though you're in San Tan Valley?
Yes. I help buyers across Phoenix and all of Arizona.
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.