Higher loan amounts
Jumbo loans for Arizona's luxury homes.
In Scottsdale, Paradise Valley, Cave Creek, Carefree, and Fountain Hills, plenty of homes need a loan above the conforming limit. Jumbo lenders all set their own rules, so the lender you choose matters more than it does on a standard loan. As a broker, Marketline compares jumbo programs from several lenders and matches your income, assets, and property to the one that fits.
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When you need a jumbo loan
In 2026, any loan above $832,750 for a one-unit home is a jumbo loan in every Arizona county (FHFA 2026 conforming loan limit). No Arizona county has a higher high-cost limit.
What we can finance
- Primary residences, second homes, and investment properties
- Fixed-rate and adjustable-rate options
- Several down payment structures, including options that avoid a second loan
- Borrowers with substantial assets, business income, or complex tax returns
- Custom homes, acreage, and view lots in the North Valley
Arizona luxury details we plan for
Second homes. Many jumbo buyers live elsewhere and winter in Scottsdale. We explain second-home occupancy rules and how they differ from rentals.
Acreage and wells. Cave Creek and Carefree properties may have shared wells, septic, or horse facilities, and lenders want these documented early. Cave Creek loans →
Appraisals. Unique homes have few comparable sales, so we order appraisals with time built in and work with appraisers who know the area.
Reserves. Jumbo lenders usually want months of payments in savings or investments after closing. We'll tell you exactly what counts.
Arizona jumbo loan FAQ
What is the jumbo loan limit in Scottsdale for 2026?
A loan above $832,750 for a one-unit home is a jumbo loan in Scottsdale and every other Arizona county in 2026, based on the FHFA conforming loan limit.
How much do I need for a jumbo down payment?
It depends on the lender, the loan amount, and whether the home is a primary, second home, or rental. Because jumbo rules vary by lender, comparing several lenders is where a broker helps most.
Can I get a jumbo loan if I'm self-employed?
Often, yes. Some jumbo lenders accept two years of tax returns, and others offer bank-statement or asset-based options. We match your documents to the right lender.
Can I use a jumbo loan for a vacation home in Scottsdale?
Yes. Jumbo loans are available for second homes, with occupancy rules that differ from investment properties.
How long does a jumbo loan take to close?
Many close in about 30 to 45 days. Unique properties and appraisals can add time, so we set the timeline with you and your agent up front.
Talk with Taum about your loan. Free consultation, no pressure. Office 480-967-TAUM (8286) · Cell 480-797-4898 · Apply Now
David "Taum" Hemmingsen · Owner · Banker · Broker · NMLS #51267 · AZ MLO License #0910918
Marketline Mortgage, LLC · NMLS #1842 · Arizona Mortgage Broker License #MB-1049666 · 16427 N Scottsdale Rd, Ste 410, Scottsdale, AZ 85254 · NMLS Consumer Access · Equal Housing Opportunity
This is not a commitment to lend. All loans are subject to credit approval, property eligibility, and program guidelines, which can change.
More areas and programs: Loan Programs · Phoenix · Scottsdale · Cave Creek · DSCR Loans