A Scottsdale mortgage broker for every price point

One city name. Very different loans.

DC Ranch, Troon, McCormick Ranch, an Old Town condo, and a hillside home facing the McDowells all say "Scottsdale" on the listing. They don't all get the same loan. Price, property type, and how you plan to live in the home change the program.

Send me the listing first. I'll tell you which loan fits that house before you spend a weekend touring the wrong price range.

Jumbo loans · Buy a home

North of Shea, you'll find master-planned communities like DC Ranch, Gainey Ranch, and Troon, plus streets that look out on the McDowell Sonoran Preserve. South toward Old Town, it's condos, lock-and-leave buildings, and HOA packets that can shape the loan as much as your credit does.

My office at 3420 E. Shea Blvd is a short drive from the Scottsdale line. You're welcome to meet me there, but most Scottsdale clients work with me by phone, text, and video.

Before you tour, estimate your payment on the calculator with a real HOA amount. Then tell me the monthly number you're comfortable with. Already working with a bank? Bring the quote. If theirs is the better deal, I'll tell you to keep it. second opinion

When a Scottsdale home needs a jumbo loan

A jumbo loan is a mortgage larger than the conforming loan limit, the cap for standard loans backed by Fannie Mae and Freddie Mac. For 2026, that limit is $832,750 for a one-unit home in every Arizona county. Borrow more than that and you're in jumbo territory.

Listings don't always say "jumbo." A North Scottsdale home or a custom hillside lot can cross the line quietly. Here's what changes when it does:

• Cash in reserve. Jumbo lenders often want to see savings left over after closing. Brokerage accounts, retirement funds, and stock are not all counted the same way. If your wealth is real but tied up, tell me on day one.
• The appraisal. Custom homes, golf-course lots, and one-of-a-kind architecture don't always have three easy comparable sales. I plan extra time for that.
• Your options. Sometimes a larger down payment keeps you under the limit and on a conventional loan. Sometimes jumbo is the better fit because your cash is doing other work. I'll run both so you can see the trade.

Jumbo rules vary a lot from lender to lender. That's exactly when shopping a panel of lenders pays off. jumbo loans

Buying a second home in Scottsdale

Plenty of buyers fall for Scottsdale as a winter home or a low-maintenance "lock-and-leave" place near the Preserve. The first question I'll ask is simple: how will you use it?

Lenders treat a primary home, a second home, and a rental property differently. Each has its own rules for down payment, rate, and reserves. A second home is for your own use. If the plan is to rent it out, that's an investment property, and we pick a loan built for that on purpose. Sometimes a DSCR loan, which looks at the rent instead of your tax returns, is the better fit. DSCR loans

If you split the year between Arizona and another state, tell me up front. I'll need the details on your other home and its payment. It's much easier to plan around that now than to explain it to an underwriter later.

Gated communities, golf, and shared amenities all live in the HOA budget, and that budget is part of your payment. Send me the HOA name with the listing.

Old Town Scottsdale condos: the building gets approved too

With a condo, the lender reviews the building as well as you. Old Town condos are more likely to stall on the building's paperwork than on the buyer.

Here's what I look at before you pay for an inspection:

• The HOA questionnaire, a form the HOA fills out for the lender
• The budget and reserves, including any special assessments
• Insurance on the building
• Pending lawsuits involving the HOA
• The owner-to-renter mix and any short-term rental rules
• Commercial space in the building

A building can look perfect on a Saturday night and still not meet a lender's rules. If it doesn't, we look at other programs or a different building. Parking spaces and storage units sometimes come as separate pieces. Make sure they're written into the contract.

Not every Scottsdale home needs a special loan

Lots of Scottsdale purchases are standard conventional loans: townhomes off Indian Bend, older homes near Old Town, and family homes in McCormick Ranch that sit under the limit. Don't assume you need jumbo because the city is Scottsdale. Let's run the number.

A Scottsdale purchase may need a different path when:

• The loan amount is above the conforming limit
• The condo building doesn't meet lender rules
• The home will be a rental
• You're self-employed and your tax returns don't show your full income self-employed loans

One more thing: Paradise Valley is its own town. If the listing says Paradise Valley, taxes and lot sizes are different, and I plan the loan for that address. Shopping Arcadia or Tempe too? Tell me. We'll map each option side by side.

Good to know for Scottsdale: Believe the price, not the listing remarks. If the loan size needs jumbo, plan for jumbo. And if a condo HOA won't return its paperwork, that's a sign to slow down before you commit.