What to know about financing in Scottsdale
Jumbo is common here
Plenty of Scottsdale homes need a loan above the 2026 conforming limit of $832,750. Jumbo guidelines vary widely by lender, so comparing several lenders can change your down payment, your rate and your reserves requirement.
Condos in Old Town
Condo financing depends on the building as much as on you. Rental-heavy buildings, pending litigation or low HOA reserves can limit loan options. Pete can review a condo’s eligibility before you offer.
Short-term rentals
Scottsdale requires short-term rental licensing. If you’re counting on rental income to qualify with a DSCR loan, confirm the property can be licensed first.
2026 loan limits
In Maricopa County for 2026, the conforming loan limit is $832,750 and the FHA limit is $557,750 for a one-unit home. VA has no limit with full entitlement.
How conforming limits workDown payment help
Home Plus is available statewide to buyers under its income limit, though many Scottsdale purchases exceed the price range where assistance makes sense.
Arizona assistance programsPopular loans in Scottsdale
- Conventional loansThe most common loan, for primary homes, second homes and rentals.
- Jumbo loansFinancing above $832,750 for Scottsdale, Paradise Valley and beyond.
- DSCR & investor loansQualify on the property’s rent, not your personal income.
- Second homes & snowbirdsFinancing a winter place or vacation home in Arizona.
Scottsdale mortgage questions
What counts as a jumbo loan in Scottsdale?
Any loan above $832,750 on a one-unit home in 2026.
Can I buy a Scottsdale condo with an FHA loan?
Only if the complex is FHA-approved or the unit qualifies for a single-unit approval. Conventional condo loans have their own building review.
Does Pete only work with Scottsdale buyers?
No. Pete lends anywhere in Arizona and is also licensed in California and Texas. Scottsdale is one of many places he helps buyers and homeowners.
Nearby
General information, not a loan offer or commitment to lend. Loan limits and assistance programs are as of 2026 and change over time; availability, income limits and terms vary. Ask Pete for current details for a specific address.