FHA Loans in Scottsdale, AZ

Buying a home in Scottsdale doesn't require a massive down payment. An FHA loan is perfect for Scottsdale residents with credit scores starting at 580.

Real Estate in Scottsdale, Arizona

Market Insights for Scottsdale Buyers

Scottsdale remains the premier luxury market in Arizona. In 2025, we are seeing a surge in demand for Jumbo financing and investor loans for high-yield short-term rentals near Old Town.

We provide service across the entire Scottsdale area, including zip codes: 85250, 85251, 85254, 85255, 85258.

Neighborhood Focus: Scottsdale

Financing in Scottsdale requires a lender who understands luxury appraisals. We have deep experience in **DC Ranch** and **Silverleaf** for Jumbo loans, and we know the specific HOA requirements for condos in the **Old Town Entertainment District**.

DC Ranch Silverleaf Old Town McCormick Ranch Kierland Troon North

Down Payment Assistance (DPA) in Scottsdale

You may qualify for grants to cover your down payment! Homebuyers in Scottsdale may be eligible for programs like: Home in Five.

Don't miss out on free money! See the full requirements in our Arizona DPA Guide.

Why Get a FHA Loan with a Local Lender?

Choosing a local expert matters. Our team provides highly competitive rates and deep knowledge of the local appraisal environment in Scottsdale.

  • Key Benefit: Low 3.5% down payment and flexible credit guidelines.
  • Property Tax Insight: The estimated property tax rate in your area is 0.58%. This helps accurately calculate your monthly payment (PITI).

Frequently Asked Questions in Scottsdale

What is the conforming loan limit in Scottsdale?

For 2025, the standard conforming loan limit for Scottsdale is $766,550. Loans above this amount typically require Jumbo financing.

Are there down payment assistance programs available?

Yes! Homebuyers in Scottsdale may be eligible for programs like Home in Five. Check your eligibility here.

What credit score do I need to buy a house in Scottsdale?

It depends on the loan program. Generally, FHA loans allow scores as low as 580, while Conventional loans typically require 620+. For Jumbo loans in luxury areas, a score of 700+ is often needed.

Rate Quote: Scottsdale

See how much you can save or qualify for. We offer free, no-obligation quotes for FHA Loans in the Scottsdale area.

Apply for a FHA Loan

Or call Jonathan directly:
+14803825832

Scottsdale Market Data

  • Median Price $825,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.58%
Tip: Home prices here often require Jumbo financing strategies.

Get Your Scottsdale Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
UWM
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