Marana · Northwest Tucson · Pima County · NMLS# 667008
I am a Tucson native, and Marana is home. I live in Continental Reserve, and my family has been part of this community for years. Whether you are buying in Continental Ranch, up toward Dove Mountain, or closer in on the northwest side of Tucson, I will help you find the right loan and every program you qualify for.
Not ready to apply yet? Get Prequalified · Call (520) 495-8989
Prequalification is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Your local lender
I grew up in South Tucson, graduated from Cholla High School, and today I live in Continental Reserve in Marana. Marana is home for me, not just a market.
My family is all in on Marana. Both of my kids went to Marana Middle School and Marana High School. My daughter dances for the IFL Tucson Sugar Skulls and coaches at Mountain View. My nieces and nephews live here too.
My sister-in-law and her husband live out in Picture Rocks. They started with a nice manufactured home on a couple of acres. Later they bought the neighbor's house and land next door, and turned the big backyard into an oasis where they host weddings and quinceañeras. That is Marana to me. Room to grow, and family close by.
Where I help
The northwest side covers a lot of ground, from established neighborhoods to newer master-planned communities. A few places I help buyers:
Area ZIP codes include 85653, 85658, 85741, 85742, 85743, 85704, 85737, and 85755.
Sources: U.S. Census Bureau 2020 ZIP to county and ZIP to place relationship files; Continental Ranch Community Association; Sunflower Community Association; Twin Peaks K-8 (Marana Unified); Saguaro National Park. Checked October 17, 2026.
Manufactured homes
Marana and the areas around it, like Picture Rocks and Avra Valley, have a lot of manufactured homes on their own land. I have done a lot of these loans. In fact, the first loan I ever funded, more than 20 years ago, was a manufactured home.
Programs
The neighborhoods on this page are in Pima County, so Pima County programs can apply. I confirm the county for each address.
Down payment and closing cost help as a 0% interest, 30-year forgivable second mortgage. No first-time buyer requirement. Covers all of Pima County. Can be paired with the CIC Tucson MCC.
See details and quick checkA federal tax credit of 20% of your mortgage interest, up to $2,000 a year, through CIC Tucson. Claim it every year you live in the home and keep the mortgage. Can be paired with the Pima-Tucson Homebuyer's Solution.
Try the MCC calculatorNo income limits and a 600 minimum credit score. No program DTI overlay. Many down payment assistance programs cap debt-to-income at 45% to 50%. This one follows automated underwriting approval instead. Ask me for current terms.
See in-house DPA3.5% minimum down payment and flexible credit guidelines. Learn about FHA loans.
Can start at 3% down for qualified first-time buyers. Move-up buyers and refinances too. First-time buyer guide.
Local know-how
More local pages: Tucson mortgage lender · Oro Valley · Sahuarita · Down payment assistance hub · See the payment on a listing
Rates
Rates change daily, so I send today's rate to you personally. Your rate depends on your credit, the loan type, and any assistance you use.
Not a commitment to lend or a rate lock. Your actual rate, APR, and costs are confirmed in your Loan Estimate.
Client reviews
Rated 4.98 out of 5 from 128 reviews on Experience.com.
“with Andy it was more like "this is how we are going to make it work."”
“Andy and his team were wonderfully! Communication was great and they were always willing to answer any questions or concerns I had. It can be stressful buying a new home but they made it as easy as possible! 10/10!”
“Andy and his team kept me fully informed through the loan process. When I had questions or concerns they were prompt to provide answers an additional information making the loan process much more simple. I highly recommend Andy and his team and Neighborhood Loans.”
FAQ
The neighborhoods on this page, including Continental Ranch, Dove Mountain, Gladden Farms, Oro Valley, and the northwest side of Tucson, are in Pima County. That means Pima County programs like the Pima-Tucson Homebuyer's Solution can apply. I confirm the county for every address. Program rules and eligibility apply.
All of them. Continental Reserve, where I live, Continental Ranch, Dove Mountain, Gladden Farms, Picture Rocks, Avra Valley, Casas Adobes, the Cortaro Farms and Thornydale area, and Oro Valley, including Rancho Vistoso, plus everything in between. Some homes are in the Town of Marana, some in Oro Valley or the City of Tucson, and some in unincorporated Pima County, so I confirm the details for each address.
Yes. The Pima-Tucson Homebuyer's Solution covers all of Pima County, with no first-time buyer requirement. My in-house down payment assistance is another option, with no income limits and a 600 minimum credit score. Program rules and eligibility apply.
The Pima County MCC through CIC Tucson is available for eligible buyers in Pima County. It can be paired with the Pima-Tucson Homebuyer's Solution. Income and purchase price limits apply, and it is generally for first-time buyers, with exceptions for qualified veterans and target areas. A Mortgage Credit Certificate is a federal tax credit. I am not a CPA or tax advisor, and this is not tax advice. The credit is limited by your federal tax liability. Unused credit may carry forward up to 3 years. A federal recapture tax may apply if you sell the home within 9 years. Consult a tax professional about your situation.
Often, yes. Many manufactured homes on their own land can be financed with a mortgage when the home is on a permanent foundation and treated as real property with the land. FHA, VA, USDA, and conventional loans may be options, depending on the home, the land, and your situation. Not every home qualifies, so I review the details early.
No. Everything can be done remotely by phone, email, text, and Zoom, and that is how most of my clients work with me. You are always welcome to meet at my office in Tucson, 5210 E Williams Circle, Suite 500, anytime. Just call ahead to set a time. Or let's grab a coffee at the Starbucks on Twin Peaks (9180 N Silverbell Rd) or at Arizona Pavilions (5970 W Arizona Pavilions Dr).
Tell me about your plans. I will check every program you may qualify for and follow up personally.
Program availability, terms, interest rates, income and purchase price limits, and assistance amounts are set by each program administrator and can change or end at any time without notice. Assistance funds may be limited. The information on this page was checked against the official program sources linked above on October 16, 2026. It is general education only. Always confirm current guidelines with me before you make decisions.
This is not a commitment to lend, a loan approval, or a rate lock. All loans are subject to credit approval, underwriting, property eligibility, and program guidelines. Not all applicants will qualify. Rates shown on official program pages are not offered by this website and may not be available to you.
The Pima-Tucson Homebuyer's Solution is offered by the Industrial Development Authorities of the County of Pima and the City of Tucson and administered by eHousingPlus. The Mortgage Credit Certificate program for Pima County is funded by the Pima County Industrial Development Authority and administered by Community Investment Corporation (CIC). Homes for Texas Heroes and Home Sweet Texas are programs of the Texas State Affordable Housing Corporation (TSAHC). These agencies do not endorse any lender. Andy Braun and Neighborhood Loans are not government agencies.
Andy Braun, Senior Loan Officer | Sales Manager, NMLS #667008, AZ LO-1006099. Neighborhood Loans, Inc. NMLS #222982, AZ BK 1004602. Licensed in Arizona, Texas, and California. Equal Housing Lender. Verify licensing at nmlsconsumeraccess.org.
Program rates change daily. I will send you today's rate for this program personally.
Not a commitment to lend or a rate lock. Rates depend on your credit, loan type, and program option.
