Maricopa County, Arizona
Mortgage help across Maricopa County.
Phoenix-metro growth means a lot of Maricopa files are new construction, not resale. Choice Home Mortgage has been closing loans since 2005 — shopping hundreds of lenders, guided by the owner herself.
Can Choice Home Mortgage help me buy in Maricopa County, AZ?
Yes — Choice Home Mortgage works with Maricopa County buyers through licensed partner brokers who handle the AZ side, while we quarterback the file and shop hundreds of lenders on your behalf. We work across Phoenix, Mesa, Chandler, Glendale, Gilbert and the surrounding Maricopa County communities the same way we do at home.
The numbers here catch people out. For 2026 the conforming limit in Maricopa County is $832,750, but the FHA limit is only $557,750 — a difference of $275,000. A home priced between those two figures can be financed conventionally but not with an FHA loan. That single distinction is the most common mistake out-of-area lenders make in this county, and it is worth confirming before you write an offer rather than after.
Explosive new-build volume, where construction timelines and rate-lock windows matter more than they do in a resale market. Everything runs by phone and online, with owner Esther Buede handling your loan personally from first call to closing.
What Maricopa County buyers can actually borrow.
Loan limits are set county by county, not statewide — which is why the figure an out-of-area lender quotes is so often wrong. For 2026 in Maricopa County, AZ, the one-unit conforming limit is $832,750.
Those two numbers are not the same here, and the difference is $275,000. A Maricopa County home priced between $557,750 and $832,750 can be financed with a conventional loan but not with an FHA loan. Getting that backwards costs buyers real offers — it is the most common mistake we see from lenders who do not work this county.
Multi-unit conforming limits run higher: $1,066,250 for two units, $1,288,800 for three, and $1,601,750 for four. The FHA multi-unit limits are lower again — $714,000, $863,100, and $1,072,600 — so a duplex that clears the conforming limit here can still sit well above what FHA will cover. See the full breakdown on our Maricopa County loan-limit page.
Every corner of Maricopa County.
We work across Phoenix, Mesa, Chandler, Glendale, Gilbert, Scottsdale, Tempe, Peoria, Surprise, Avondale, Goodyear, Buckeye — coordinating the AZ side with licensed partner brokers. See all the areas we serve →
Whatever the scenario, there is usually a loan for it: FHA for lower down payments and flexible credit, conventional for strong-credit buyers, jumbo above the county limit, VA for those who qualify, non-QM for self-employed income, and reverse mortgages for homeowners 62+. Start here.
Maricopa County mortgage questions, answered.
What are the 2026 conforming loan limits in Maricopa County?
For 2026 the one-unit conforming limit in Maricopa County, AZ is $832,750. Multi-unit conforming limits run higher: $1,066,250 for two units, $1,288,800 for three, and $1,601,750 for four. FHA multi-unit limits are separate and lower — $714,000, $863,100, and $1,072,600 respectively. Anything above the one-unit conforming limit is a jumbo loan with its own guidelines.
Is the FHA loan limit in Maricopa County the same as the conforming limit?
No — and this is where a lot of Maricopa County buyers get bad information. The 2026 FHA limit here is $557,750, while the conforming limit is $832,750. That is a $275,000 gap. If you are buying between those two numbers, a conventional loan is on the table and an FHA loan is not. We confirm the exact limit for your price point before you write an offer.
Which Maricopa County cities do you serve?
We work with buyers and homeowners across Maricopa County, including Phoenix, Mesa, Chandler, Glendale, Gilbert, Scottsdale, Tempe, Peoria, Surprise, Avondale, and the surrounding communities. We coordinate the AZ side with licensed partner brokers, and everything runs by phone and online.
Why does the county matter if the purchase price is the same?
Because loan limits are set county by county, not statewide — two homes at an identical price can qualify for different loans depending on which county line they fall on. In Maricopa County the FHA ceiling of $557,750 is usually the number that decides which programs are available to you, and it sits $275,000 below the conforming limit of $832,750. It is also why a quote based on a statewide or national figure is so often wrong for this county.
How does working with an out-of-state broker actually work?
We quarterback your file and shop hundreds of lenders, while licensed partner brokers handle the AZ-side licensing requirements. You still get one named person — owner Esther Buede — coordinating everything from application through closing, plus the hundreds-of-lenders competition a single local shop cannot offer.
Let's finance your Maricopa County home.
One call with the owner — honest, and no pressure. We'll confirm the exact Maricopa County limits for your price point and shop the lenders for you.