Of the 16 mortgage lenders in Scottsdale, AZ that publish their loan programs, 10 (63%) offer conventional loans, 7 (44%) offer FHA loans and 7 (44%) offer VA loans.

Conventional loans10 of 16 (63%)

FHA loans7 of 16 (44%)

VA loans7 of 16 (44%)

USDA loans4 of 16 (25%)

First-time buyer programs4 of 16 (25%)

Hard money and bridge loans4 of 16 (25%)

Jumbo loans3 of 16 (19%)

Non-QM loans3 of 16 (19%)

Bank statement loans3 of 16 (19%)

DSCR (investor) loans3 of 16 (19%)

Renovation and 203(k) loans3 of 16 (19%)

Reverse mortgages3 of 16 (19%)

5
advertise 3.5% down or less, including 3 with a 0% down option (typically VA or USDA)
500
lowest advertised minimum credit score; 1 lender accepts 580 or lower
6 / 1
licensed in one state only / licensed nationwide (of 16 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 16 of 88 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Other Mortgage Professionals in Scottsdale

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Mortgage Lenders in other Arizona cities

Phoenix (84)
Tucson (65)
Chandler (32)
Mesa (22)
Gilbert (24)
Tempe (8)
Peoria (2)
Glendale (3)
Queen Creek (1)
Litchfield Park (1)
Green Valley (2)
Ste 114 (1)

All 334 mortgage lenders in Arizona →

Why Choose Local Mortgage Lenders in Scottsdale?

Local Market Expertise

Scottsdale mortgage lenders 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 lenders 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 lenders 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 lender in Scottsdale?

Shortlist at least three mortgage lenders 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 lender?

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 lenders better than online lenders?

Local mortgage lenders 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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