Scottsdale, AZ
Scottsdale, AZ home loans, built for Scottsdale's market.
High-balance, jumbo, move-up, refinance: whatever a Scottsdale purchase needs — near Old Town Scottsdale or anywhere Scottsdale — the loan fits the market.
Who can help me get a mortgage in Scottsdale, AZ?
Choice Home Mortgage can. We arrange Scottsdale home loans through licensed partner brokers in Arizona and coordinate each Scottsdale file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
The 2026 conforming limit for a one-unit Scottsdale home is $832,750 (Maricopa County, per FHFA). We start every Scottsdale file by placing the price against that number, then handle the application, documents and updates by phone and online.
What it costs to buy in Scottsdale — and how to finance it.
Scottsdale anchors the luxury tier of the Phoenix metro and is a premier Southwest resort and residential destination; its median runs well above the metro, a genuine jumbo market where conforming purchases are the floor.
Those Scottsdale realities set the strategy. Scottsdale’s 2026 conforming ceiling is $832,750, the baseline figure Maricopa County shares with most of the country. Since typical Scottsdale prices stay under $832,750, a Scottsdale buyer keeps conventional, FHA, and first-time-buyer all in play. As a market, Scottsdale runs among the priciest in Arizona. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 226,000-plus people live in Scottsdale — Old Town Scottsdale, DC Ranch/Silverleaf, and between — a short drive from Tempe or Mesa. From Taliesin West and the McDowell Mountains outward, we treat Scottsdale as home turf. Buyers come to us from Old Town Scottsdale, McCormick Ranch, Gainey Ranch, and DC Ranch/Silverleaf, and from every other part of Scottsdale. If you’re in Scottsdale hunting for a nearby broker: we work Scottsdale loans by phone and online, Scottsdale knowledge included. Across Arizona, our coverage runs 25 cities deep — and in Scottsdale, as everywhere, the county numbers get verified before anything is quoted.
What you get with a local broker.
Scottsdale know-how
The Scottsdale map — Old Town Scottsdale, McCormick Ranch, Gainey Ranch, out toward Taliesin West and the McDowell Mountains — is exactly the local detail your financing should be built on.
Move-up & jumbo ready
Jumbo, high-balance — that's the Scottsdale toolkit, because Scottsdale prices with the most expensive in Arizona and the financing keeps up.
Lenders shopped for you
Many lenders bid on each Scottsdale file we bring them — Scottsdale buyers never shop one shelf.
Direct to the owner
In Scottsdale you get the owner, Esther Buede, coordinating your file personally, with no queue for Scottsdale files.
One name coordinating every Scottsdale loan.
In Scottsdale, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, McCormick Ranch or anywhere on the Scottsdale map, first call through keys. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
The loan follows your Scottsdale plan — not the reverse.
Near Taliesin West and the McDowell Mountains, jumbo files are a Scottsdale staple for us. Jumbo, high-balance carry most of our Scottsdale work (via our licensed partner-broker network) — and beyond those, Scottsdale buyers get the full menu: VA, FHA financing, conventional, and non-QM. Come in at your own pace — buying, refinancing, or comparing paths — apply in minutes or call (949) 522-7310.
The programs that come up most for Scottsdale buyers: jumbo, high-balance.
Self-employed in Scottsdale? We also work with 1099 and business-owner borrowers — 1099 income included, plus no-income investor financing for Scottsdale investors. Maricopa County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. Scottsdale sits in Maricopa County — see how we work across Maricopa County as a whole.
Beyond Scottsdale itself, Tempe, Mesa, Phoenix buyers work with us the same way. All our Arizona coverage, city by city →
For Scottsdale, AZ: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve Scottsdale remotely; there is no local Scottsdale office.
Scottsdale home-loan questions, straight answers.
What's the 2026 conforming loan limit in Scottsdale?
A conforming loan on a one-unit Scottsdale home can go up to $832,750 in 2026, which is FHFA's limit for Maricopa County. Maricopa County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
How do Scottsdale buyers finance above the conforming limit?
Scottsdale buyers who need more than $832,750 (the 2026 Maricopa County limit) use a jumbo loan, or put more down so the loan stays under it. A larger down payment can bring the loan back under $832,750 so it stays conforming. A licensed partner broker originates the loan while we compare those options across many lenders.
Can you finance a home anywhere in Scottsdale?
Yes, anywhere in Scottsdale, from Old Town Scottsdale to DC Ranch/Silverleaf. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Old Town Scottsdale to DC Ranch/Silverleaf, a licensed partner broker originates the loan and we coordinate it by phone and online.
Can Choice Home Mortgage help me buy in Scottsdale, AZ?
Yes. Choice Home Mortgage helps Scottsdale buyers through licensed partner brokers in Arizona, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Scottsdale office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
I'm shopping Scottsdale and the next town over: is that covered?
Yes. You can compare homes in Scottsdale with Tempe, Mesa and Phoenix on one file. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Scottsdale file.
How does the process run for a Scottsdale buyer working with you?
A Scottsdale buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. A licensed partner broker in Arizona originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Beyond Scottsdale: nearby cities we work
Start your Scottsdale loan today.
No call center — just Esther. We'll find what fits your Scottsdale purchase and do the Scottsdale lender legwork.