Scottsdale Jumbo Mortgage
Jumbo Mortgage Loans for Scottsdale & Paradise Valley Luxury Homes
Financing above $766,550 for Scottsdale, Paradise Valley, and North Phoenix luxury properties — with competitive rates and flexible qualification.
What Is a Jumbo Loan and Do You Need One?
A jumbo loan is any mortgage above the conforming loan limit set by Fannie Mae and Freddie Mac — currently $766,550 in most Arizona counties. If you're buying in Scottsdale, Paradise Valley, or North Phoenix, there's a good chance you'll need jumbo financing.
| Loan Amounts | $766,551 to $3M+ |
| Down Payment | As little as 10% on select programs |
| Rates | Often within 0.25% of conforming |
| Rate Types | Fixed and adjustable rate options |
| Property Types | Primary, second home, investment |
Scottsdale Neighborhoods We Serve
Scottsdale Jumbo Mortgage FAQ
What is the jumbo loan limit in Scottsdale, AZ?
In Maricopa County (which includes Scottsdale), the 2026 conforming loan limit is $766,550. Any loan above this amount is considered a jumbo loan.
What credit score do I need for a jumbo loan in Scottsdale?
Most jumbo loan programs require a minimum 700–720 credit score, though some programs accept 680 with compensating factors.
How much down payment is required for a jumbo loan?
Down payment requirements vary by program and loan amount. Many jumbo programs require 10–20% down, though some allow as little as 10% on primary residences.
Are jumbo loan rates higher than conventional rates?
Jumbo rates are typically within 0.125–0.375% of conforming rates. In some market conditions, jumbo rates are actually lower than conforming rates.
Can I get a jumbo loan for a second home in Scottsdale?
Yes. Amber works with jumbo programs for primary residences, second homes, and investment properties in Scottsdale and throughout Arizona.
Get a Competitive Jumbo Rate Quote for Your Scottsdale Home
Amber Tanner works with multiple jumbo lenders to find your best rate — no obligation.