Scottsdale Home Buyer's Guide | Shon Romines

The Process

Your Step-by-Step Buying Roadmap

Define Your Goals & Budget

Before anything else, get clear on what you need, what you want, and what you can realistically afford. Consider down payment, monthly payment comfort, and how long you plan to stay.

Tip: Get pre-approved before you start touring homes — it strengthens your offer and saves heartbreak later.

Get Pre-Approved for a Mortgage

A pre-approval letter from a lender tells sellers you're serious and financially ready. Shop at least 2-3 lenders to compare rates and terms. In Scottsdale's competitive market, this step is non-negotiable.

Tip: A local lender often closes faster than national banks — a real advantage when competing for homes.

Work With a Local Agent

Your agent's job is to find homes, advise on value, negotiate on your behalf, and guide you through every step of the transaction — at no cost to you as a buyer.

Tip: Choose an agent who knows your target neighborhoods inside and out, not just someone who covers all of Arizona.

Search, Tour & Evaluate

View homes with a critical eye. Beyond the aesthetics, evaluate location, lot, condition, and potential. Don't fall in love with a home that doesn't make financial sense.

Tip: In Scottsdale, north-facing backyards are highly desirable — they stay shaded during Arizona's intense summer afternoons.

Make an Offer & Negotiate

Your agent will run comps and help you craft a competitive offer. Price matters, but so do terms — closing date, contingencies, and earnest money all play a role in how sellers respond.

Tip: Escalation clauses and personal letters can help in multiple-offer situations, depending on the seller.

Inspections, Appraisal & Close

Once under contract, you'll order inspections, negotiate any repairs, and work through the appraisal and underwriting process. A good agent keeps everything on track so you close on time.

Tip: Don't skip the home inspection even in a competitive market — it's your last clear look before you own the problem.

Buyer FAQ

Common Questions Answered

How much do I need for a down payment in Scottsdale?

It depends on your loan type. Conventional loans typically require 5–20%. FHA loans require as little as 3.5%. VA loans for eligible veterans require zero down. Your lender will walk through the options based on your situation.

How long does buying a home in Scottsdale typically take?

From pre-approval to closing, expect 30–60 days once you're under contract. Finding the right home can take anywhere from a few weeks to a few months depending on market conditions and your criteria.

Does the buyer pay agent commission?

In most transactions, the seller pays both agents' commissions — so working with a buyer's agent typically costs you nothing. This changed somewhat with recent NAR settlement rules, so I'll walk you through how it works before we start.

What's the Scottsdale market like right now?

Scottsdale remains one of the most desirable markets in the country. Inventory has improved from pandemic-era lows, but well-priced homes in popular neighborhoods still move quickly. Current conditions favor prepared buyers with financing ready to go.

Should I buy now or wait?

This is personal and depends on your timeline, financial situation, and goals. What I can tell you is that Scottsdale's long-term appreciation track record is strong. Trying to time the market is nearly impossible — buying when you're ready tends to work out well here.

Everything You Need to Buy Smart in Scottsdale

Your Step-by-Step Buying Roadmap

Common Questions Answered

Let's Find Your Scottsdale Home