Scottsdale VA Loans

Mike Certo · Cornerstone First Mortgage · NMLS #260555 · Updated May 30, 2026

Scottsdale is AZ's premium market — destination shopping, world-class golf, mountain views, top restaurants. For VA buyers, Scottsdale typically means VA jumbo financing (above $832,750), and the buyer pool tends to be retired senior officers, defense executives, or vets transitioning into high-income civilian careers.

Scottsdale basics

Median home price 2026: ~$925,000 (varies $500K South Scottsdale to $5M+ Paradise Valley fringe)
2026 VA loan limit: $832,750 baseline (jumbo available to $4M+ with full entitlement)
Maricopa County property tax effective rate: 0.51%
Average insurance: $1,500-$2,500/year (higher value homes)
HB 2792 disabled vet exemption: Fully applicable

Scottsdale areas for VA buyers

South Scottsdale (~$500K-$900K)

Older 1980s-90s neighborhoods + condo conversions
Walkable to Scottsdale Downtown, ASU Tempe
Most accessible price for VA buyers
Old Town Scottsdale, Papago Buttes, Scottsdale Ranch

Central Scottsdale (~$700K-$1.5M)

Mature communities, mid-century to 2000s construction
Strong family + retirement appeal
Gainey Ranch, McCormick Ranch, Pinnacle Peak

North Scottsdale (~$1M-$5M+)

Premium luxury, golf-oriented
DC Ranch, Troon, Desert Mountain, Estancia
Mostly jumbo VA territory

Paradise Valley fringe (technically separate)

Ultra-high-end, $2M+ typical
Limited VA inventory

Scottsdale-specific advantages

Premium amenities — golf, dining, shopping, healthcare
Strong long-term appreciation — historically outperforms AZ average
Top private schools + good public schools (Scottsdale Unified)
VA jumbo capacity — Cornerstone can do up to $4M VA with full entitlement
Active retiring senior-officer community

Scottsdale-specific challenges

High insurance on luxury homes
HOA + CFD in many premium communities — can add $300-$1,000/month
Premium pricing limits VA buyer pool to higher-rank retired vets or dual-income families
Some land-lease + complex ownership structures in select Scottsdale communities

VA jumbo in Scottsdale — how it works

Full-entitlement VA borrowers can finance $0 down on Scottsdale homes well above the $832,750 conforming limit. Process:

Verify entitlement is fully restored (no prior unpaid VA loans)
Lender + VA approve the jumbo amount
Funding fee applies on entire loan amount (still waived for 10%+ disability)
Slightly higher rate than standard VA — typically 0.25-0.50% above baseline

Mike has placed VA jumbo loans on Scottsdale homes up to $3.4M. The deals are real, just take a specific lender pool.