Of the 21 mortgage brokers in Scottsdale, AZ that publish their loan programs, 16 (76%) offer conventional loans, 14 (67%) offer FHA loans and 13 (62%) offer VA loans.

Conventional loans16 of 21 (76%)

FHA loans14 of 21 (67%)

VA loans13 of 21 (62%)

Jumbo loans12 of 21 (57%)

USDA loans9 of 21 (43%)

First-time buyer programs9 of 21 (43%)

Reverse mortgages8 of 21 (38%)

Construction loans5 of 21 (24%)

HELOCs and home equity loans4 of 21 (19%)

Renovation and 203(k) loans3 of 21 (14%)

Non-QM loans2 of 21 (10%)

Hard money and bridge loans2 of 21 (10%)

6
advertise 3.5% down or less, including 4 with a 0% down option (typically VA or USDA)
500
lowest advertised minimum credit score; 2 lenders accept 580 or lower
9 / 1
licensed in one state only / licensed nationwide (of 20 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 21 of 83 listed mortgage brokers that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

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Why Choose Local Mortgage Brokers in Scottsdale?

Local Market Expertise

Scottsdale mortgage brokers have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Arizona. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage brokers means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage brokers often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Scottsdale market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage broker in Scottsdale?

Shortlist at least three mortgage brokers in Scottsdale, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Arizona, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage broker?

Ask about their experience in the Scottsdale market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Scottsdale mortgage brokers better than online lenders?

Local mortgage brokers offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

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