Saguaro cacti on a Sonoran desert hillside in golden evening light, with mountains in the distance

Arizona mortgage help, from Cave Creek to Tucson.

Marketline Mortgage is a family-owned Mortgage Broker founded in 2005 in the Phoenix area. We help buyers and homeowners throughout Arizona with purchase loans, refinances, and investment-property financing. When you call, you reach Taum, Donna, or our licensed team — not a call center. Most of our business comes from realtors and from clients we have already helped.

We are licensed as an Arizona Mortgage Broker (license MB-1049666). Marketline Mortgage, LLC is NMLS #1842. Owner and Mortgage Broker Taum Hemmingsen is NMLS #51267. You can confirm licenses on NMLS Consumer Access. Our office is at 16427 N Scottsdale Rd, Ste 410, Scottsdale, AZ 85254.

For 2026, the Federal Housing Finance Agency set the baseline conforming loan limit for a one-unit home at $832,750. Public 2026 county tables list all 15 Arizona counties at that baseline, so a loan above $832,750 is typically a jumbo loan anywhere in the state. That comes up often in Cave Creek, North Scottsdale, Paradise Valley, and other higher-priced communities. We will confirm the current limit for your county before you write an offer, because limits are updated each year.

Arizona properties can include details a typical city lot does not. Many homes, especially in Cave Creek and other desert and rural communities, sit on private or shared wells, septic systems, or private roads. Arizona requires a transfer-of-ownership inspection of a home's on-site wastewater (septic) system within six months before the property changes hands, and the buyer generally files a Notice of Transfer after closing. Some loan programs also require well water-quality and flow tests, and a shared well usually needs a recorded agreement. We ask about these items early so they do not stall escrow. For Cave Creek acreage, wells, and horse property, see our dedicated Cave Creek page.

Loan options we already offer include conventional, FHA, VA, USDA (for eligible rural and some suburban locations and income-eligible households), jumbo, refinance and cash-out, DSCR and other investment-property loans, and options for self-employed borrowers. We compare programs from multiple lenders and walk you through the total cost in plain language.

If you are buying or refinancing in a specific Valley or Southern Arizona city, start with the local page that fits you best.

Explore our Arizona pages

Questions we hear often

Do you only work in Cave Creek and Scottsdale?

No. We help buyers and homeowners throughout Arizona. If you are looking in a specific city, start with our pages for Cave Creek, Scottsdale, Phoenix, Mesa, Chandler, Gilbert, Glendale, Peoria, or Tucson.

What counts as a jumbo loan in Arizona?

A loan above the current conforming limit for your county is typically a jumbo loan. For 2026, public county tables list all 15 Arizona counties at the FHFA baseline of $832,750 for a one-unit home. We will confirm the current limit for your county before you write an offer.

Can you finance a home with a well, septic system, or horse property?

Often, yes, when the property is used mainly as a home. Arizona requires a septic transfer inspection before many sales, and some loan programs also need well tests or a recorded shared-well agreement. See our Cave Creek page for how we plan for acreage, wells, septic, private roads, and horse property.

Do you work with realtors?

Yes. Most of our business comes from realtors and from clients we have already helped. We keep you and escrow updated and stay with the file through closing.

How do I get started?

Request a free consultation at /contact-us, or call 480-967-TAUM (8286). You can also start an application online in English or Spanish.

Get started

Request a free consultation at /contact-us, or call 480-967-TAUM (8286).

Licensing

Marketline Mortgage, LLC | NMLS #1842 | Arizona Mortgage Broker License MB-1049666

Licensed in Arizona, Florida, Texas, and Idaho. California operations are conducted through Marketline, Inc., NMLS #396643, CA DRE Corporate License #01893968.

Taum Hemmingsen, Mortgage Broker, NMLS #51267

Equal Housing Opportunity

Verify licenses at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/

Texas residents: SML Consumer Notice — /texas-brokers-sml-consumer-notice