Writing
Plain-English mortgage notes from Daniel Escobar on local lending, jumbo loans, self-employed borrowers, and home financing in Greater Phoenix.
Weekly Market Note
At Scottsdale's $1.25 million single-family median, keeping the base loan conforming takes roughly 33% down. Here's what that means alongside Scottsdale's inventory and days-on-market signals.
Read this weekMove-Up Buyers
Scottsdale move-up buyers are selling into tight inventory and buying into softer luxury tiers. What the data says, and how to buy before you sell in 2026.
Read articleSelf-Employed & Business Owners
Scottsdale business owners: learn how lenders calculate self-employed income, when bank-statement loans help, and how to prepare before buying in 2026.
Read articleRefinancing & Equity
Scottsdale homeowners have options beyond replacing a low-rate first mortgage. Compare HELOCs, fixed seconds, cash-out refinancing, and waiting.
Read articleReal Estate Investors & Portfolio Builders
Scottsdale real estate investors: learn how DSCR loans use property cash flow, when conventional financing is better, and what to model before buying.
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