Your Cave Creek home loan guide.
David “Taum” Hemmingsen helps buyers and homeowners in Cave Creek, Scottsdale and North Scottsdale find the right loan, comparing the total cost, not just the advertised rate.
Call or text Taum at 480-797-4898 · Solicitud en español
20+ years
in residential mortgage financing
NMLS #51267
Taum Hemmingsen
4.9 ★
on Google
Equal Housing
Opportunity
Talk about your goals first. Pick the loan second.
For more than two decades, Taum has helped homebuyers, homeowners and real estate professionals across Arizona with their financing. His approach is simple: understand what you're trying to do, then lay out the options in plain language so the whole process feels personal and smooth.
Before founding Marketline Mortgage, Taum was an executive with Fortune 500 companies. He has served on the faculty of the Arizona School of Real Estate, trained real estate professionals, and appeared as a mortgage expert on radio and television.
Whether you're buying your first home in town, moving up to acreage with mountain views, or refinancing the home you already love, you'll work with Taum directly from first call to closing.
David “Taum” Hemmingsen
Owner · Mortgage Broker
- NMLS
- #51267 · AZ MLO License #0910918
- Marketline Mortgage, LLC · NMLS #1842 · AZ Mortgage Broker License #MB-1049666
- Licensed in
- Arizona, Florida, Idaho & Texas
- Office
- 16427 N Scottsdale Rd, Ste 410, Scottsdale, AZ 85254
Financing for every kind of desert home.
We compare options from multiple lending sources and walk you through each one side by side.
Purchase & Pre-Approval
Get pre-approved before you shop so any issues are handled before you go under contract.
Conventional
Fixed and adjustable options, often with far less than 20% down.
Jumbo Loans
For Cave Creek and North Scottsdale homes above conforming limits.
FHA & First-Time Buyers
Lower down payment options for buyers and properties that meet program rules.
VA Loans
Benefits earned by veterans and service members who qualify.
Self-Employed Borrowers
Extra income analysis done early, so your documentation is ready.
Investment Properties
Financing for eligible second homes and investment properties.
Refinance, Cash-Out & Reverse
Rate and term, cash-out, home equity and reverse mortgage options.
Financing the luxury homes Cave Creek is known for.
Many homes in Cave Creek and the surrounding North Scottsdale area are priced above conventional conforming limits. A jumbo loan covers that higher amount, and we shop jumbo options across multiple lenders to find the best fit.
- Primary, second & investment homesJumbo financing for where you live, where you get away, and certain investment properties.
- Fixed or adjustable ratesChoose the payment structure that matches how long you plan to stay.
- Different guidelinesCredit, reserves, down payment, income documentation and debt-to-income requirements can differ from conventional loans. We'll review yours up front.
Cave Creek property details we plan for.
Desert properties come with details a city lot doesn't have. We ask about them before you write an offer, so they don't surprise you in the middle of escrow.
Wells
Many Cave Creek homes are on private or shared wells. Some loan programs require a water quality test and a flow test, and a shared well usually needs a recorded shared well agreement.
Septic systems
Arizona requires an inspection of a home's septic system before it's sold. We make sure the report is on schedule so it doesn't hold up closing.
Private roads
Homes reached by private or unpaved roads may need a recorded road maintenance agreement for some loan programs.
Acreage & outbuildings
Barns, arenas, corrals and guest houses are welcome. The appraisal has to show the property is typical for the area and used as a home, not run as a farm business.
Questions we hear every week.
Trusted by our neighbors.
Rated 4.9 on Google
From 54 reviews by homeowners across Arizona.
Get started on your own time.
Inquire before you wire
We will never email you new wiring instructions. Before sending closing funds, call your escrow officer at a number you already know to confirm.
Let’s talk about your Cave Creek home plans.
Use the consultation page to start the conversation, ask questions, and get guidance on what next step makes the most sense for you.
- Office
- 480-967-TAUM (8286)
- Cell / text
- 480-797-4898
- Toll free
- 1-877-967-8286
- Office address
- 16427 N Scottsdale Rd, Ste 410
Scottsdale, AZ 85254