Scottsdale Mortgage Lender

As an independent mortgage broker licensed in Arizona, Bayview Residential Brokerage helps Scottsdale buyers and homeowners finance the right home at the right terms. Scottsdale is Arizona's premier luxury and resort market, and because home prices here run higher than the rest of the Valley, financing often means a jumbo or high-balance loan. As a broker, we shop a wide set of jumbo lenders so you are not limited to a single bank's guidelines or pricing.

Below is a plain-English guide to buying or refinancing in Scottsdale in 2026: the market, loan limits and when jumbo applies, the programs available, and the neighborhoods we serve.

The Scottsdale housing market in 2026

Scottsdale continues to run stronger than most of Arizona. As of mid-2026 the average Scottsdale home value is around $854,000, up about 2.3% year over year, one of the few Valley markets still appreciating. Demand from luxury buyers, second-home owners and relocating professionals keeps the high end active, while Old Town condos and townhomes offer more accessible entry points.

Notably, the average Scottsdale home value sits just above the 2026 conforming limit of $832,750, which means a large share of local purchases require jumbo financing. Getting matched with the right jumbo lender, and structuring the loan well, can make a meaningful difference on rate and terms, and that is exactly where a broker helps.

Loan programs for Scottsdale buyers

Conventional loans. The default for buyers with solid credit, with as little as 3% down for qualified first-time buyers.

FHA loans. A lower 3.5% down payment and flexible qualifying, popular with first-time and credit-building buyers. The 2026 FHA limit in Maricopa County is $557,750 for a single-family home.

VA loans. Eligible veterans and active-duty service members can buy in Scottsdale with a VA loan, including higher-balance VA options for the area's price points. Zero down payment and no monthly mortgage insurance for those who qualify.

USDA loans. Zero-down financing for eligible rural communities near the metro, for buyers within the income limits.

Jumbo loans. Financing above the $832,750 conforming limit for higher-priced homes. In Scottsdale this is the norm rather than the exception, especially in North Scottsdale communities like DC Ranch, Grayhawk and Silverleaf.

Reverse mortgages. For homeowners 62 and older who want to convert equity into cash without a monthly mortgage payment.

Down payment assistance for Scottsdale buyers

Arizona offers real help with the down payment. The statewide HOME+PLUS program pairs a 30-year fixed mortgage with down payment and closing-cost assistance of up to 5% of the loan amount. Typical guidelines include a household income under about $112,785, a minimum credit score of 640, and a short homebuyer education course before closing, and it works with conventional, FHA, VA and USDA loans. Depending on where in Scottsdale you buy, additional city or county programs may also apply. We check which programs fit your income and credit, and coordinate the assistance with your loan.

Buying across Scottsdale

Scottsdale spans a wide range of price points. Old Town offers walkable condos and townhomes and is a favorite for entry buyers and second homes. McCormick Ranch and Gainey Ranch are established, amenity-rich central neighborhoods, while North Scottsdale communities such as DC Ranch, Grayhawk and Silverleaf sit firmly in luxury and jumbo territory. We tailor the loan to the property, whether that is a starter condo or a multimillion-dollar estate.

How the process works with Bayview

1. Pre-approval. We review your income, credit and goals, then issue a pre-approval so you can shop with confidence and make strong offers.

2. Shop and compare. Once you are under contract, we shop your loan across our lender network and bring back the most competitive fit on rate and fees.

3. Underwriting. We manage document collection and work the file through underwriting, keeping you and your agent updated.

4. Closing. Most purchases close in about 30 days from contract. You sign, fund and get the keys.

Refinancing your Scottsdale home

Already own in Scottsdale? Refinancing can lower your rate or payment, shorten your term, or let you tap equity through a cash-out refinance for a remodel or to consolidate debt. With how much Valley home values have risen over the past several years, many local homeowners have more usable equity than they realize. We run the numbers both ways and only recommend a refinance if it actually moves you forward.

Scottsdale mortgage FAQs

Do I need a jumbo loan to buy in Scottsdale?

Often, yes. The average Scottsdale home value is above the 2026 conforming limit of $832,750, so many purchases here require jumbo or high-balance financing. We shop multiple jumbo lenders to find the best fit.

What is the 2026 conforming loan limit in Scottsdale?

For 2026 the conforming limit in Maricopa County is $832,750 for a single-family home. Loans above that are jumbo loans.

How much down do I need for a jumbo loan?

Jumbo down payment requirements vary by lender and loan size, and are often higher than conventional loans, though competitive low-down jumbo options exist. We match you with the program that fits your profile.

Do you offer FHA and VA loans in Scottsdale?

Yes. FHA (2026 Maricopa limit $557,750) works for lower-priced condos and townhomes, and VA loans are available for eligible borrowers, alongside conventional and jumbo financing.

Are property taxes high in Scottsdale?

No. Arizona assesses residential property at 10% of full cash value, and Maricopa County effective rates generally fall below the national average.

How long does it take to close in Scottsdale?

Most purchases close in about 30 days, though jumbo files can take a little longer depending on documentation. Pre-approval keeps things moving.

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Nearby cities we serve

Phoenix  ·  Tempe  ·  Mesa  ·  Chandler
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Plan your numbers

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