Scottsdale + Paradise Valley luxury bridge loan options
Bridge financing above the $832K conforming loan limit requires different lenders + different terms. Here's what works for high-end AZ moves in 2026.
Why luxury bridge is different
Standard bridge loans cap at conforming or near-conforming limits. For AZ buyers moving up from $1M to $2M+ properties, you need lender programs designed for higher loan sizes.
Lender options for AZ luxury bridge
- Private banks (JP Morgan Private Bank, Bank of America Private Bank, Northern Trust), relationship-based; require existing private banking relationships
- Private banking and wealth-focused lenders, typically asset-based qualifying for established high-net-worth clients
- Specialty asset-based bridge lenders, qualify on assets rather than income alone
- Cornerstone First Mortgage, handles bridge equivalents up to ~$2.5M through portfolio programs
Typical luxury bridge terms (2026)
- Loan size: $500K to $5M+
- Term: 12-24 months (longer than standard bridge)
- Interest rate: custom-priced portfolio terms based on equity, asset position, and credit profile; quoted after review
- Origination fees: file-specific; portfolio bridge typically prices below mass-market structures
- LTV: Up to 75% of combined values
AZ-specific luxury bridge scenarios
North Scottsdale move-up
Selling $1.6M Gainey Ranch home, buying $2.4M Desert Mountain. Bridge against existing equity to fund $480K down + $25K closing costs on new home. Bridge typically 12 months; pays off at sale.
Paradise Valley to Sedona retirement move
Selling $2.8M PV home, buying $1.9M Sedona retirement home. Bridge of $600-$700K against PV equity to fund Sedona purchase. Often used by retiring high-rank professionals.
Scottsdale to Tucson Catalina Foothills
Selling $1.2M Scottsdale home, buying $1.5M Catalina Foothills home (better climate for medical reasons). Bridge timing depends on Scottsdale market velocity.
What luxury bridge costs in real numbers
Example: $1.5M bridge loan, 8 months until current home sells. Total bridge cost is sensitive to how long the current home sits, every additional month of carrying the bridge adds meaningful holding cost. Plan for both your expected and worst-case timeline.
- Monthly interest-only payment: file-specific; quoted on the consult
- Total interest cost depends on the bridge term and pricing, quoted after file review
- Origination + closing: file-specific; sized to the bridge amount and structure
- Total bridge cost: scenario-specific; we walk through the full math on the consult
This sounds large. Compare to alternative: waiting 8 months in AZ luxury market often means losing the target home OR paying $200K+ more when prices appreciate. Bridge math frequently wins.
When luxury bridge doesn't work
- Existing home value below $1M (typical bridge programs better)
- Limited equity in current home (less than 30%)
- Income doesn't comfortably support bridge interest + new mortgage simultaneously
- Target home is below FHA/VA conforming limits (cheaper options available)
Cornerstone's high-net-worth lending team
Mike's branch has access to portfolio + private bank lending programs for AZ luxury bridge situations. Each deal is structured individually.
Free analysis of options for your specific AZ luxury move. Contact Mike or call (480) 296-6513.
See also: Arizona Jumbo Loans for purchase financing above $832K.