Old Town Scottsdale is where history and modernity meet in a lively, walkable neighborhood full of surprises. Known for its rich Western heritage, thriving arts scene, and vibrant nightlife, it’s a destination that caters to everyone. Whether you’re a history buff, a foodie, or just looking for a fun day out, Old Town Scottsdale offers something special at every turn.
Located in the heart of Scottsdale, Old Town is just 20 minutes from Phoenix Sky Harbor Airport, making it an easy stop for travelers. You’ll find plenty of free parking scattered around the area, or you can hop on the free Scottsdale Trolley, which stops at major attractions. Once you’re there, everything is within walking distance, from historic sites to trendy cafes.
Art lovers, rejoice! Old Town boasts over 100 galleries, offering everything from contemporary works to Native American masterpieces. For a truly immersive experience, don’t miss the weekly Scottsdale ArtWalk on Thursday nights, where you can meet artists, enjoy live music, and sip wine while you browse.
Step into the past at iconic landmarks like the Rusty Spur Saloon, a former bank turned lively cowboy bar. Explore the Little Red Schoolhouse, now a historical museum, or visit the Old Adobe Mission, one of the town’s oldest buildings showcasing Spanish Colonial architecture.
This museum celebrates the legacy of the American West through engaging exhibits, including Native American art, cowboy culture, and Western films. Interactive displays make it a hit for visitors of all ages.
Pre-approval is a critical step for self-employed buyers in Copper Mountain’s competitive housing market. Here are some tips to secure pre-approval:
Prepare Documentation
Self-employed buyers should prepare recent tax filings, bank statements, and proof of consistent deposits. Providing an organized financial overview speeds up the pre-approval process.
Work with a Local Mortgage Broker in Copper Mountain
A Copper Mountain mortgage advisor who understands self-employed mortgages can guide buyers through the process, anticipating potential obstacles and offering targeted advice for the local market.
Manage DTI
Monitoring and, if necessary, lowering debt-to-income ratios before seeking pre-approval can significantly improve the chances of success.
Securing pre-approval from a local lender can give self-employed buyers an edge in a competitive market by proving they are ready to make a serious offer.
Copper Mountain’s lenders understand that self-employed buyers have non-traditional income sources and varying financial situations. Many local lenders have adapted their processes to cater to self-employed applicants, offering tailored support:
Specialized Loan Programs: Some lenders in Copper Mountain provide programs specifically for self-employed individuals, such as bank statement or asset-based loans, which don’t rely on typical income verification.
Flexible Underwriting Standards: Local lenders often consider factors like business revenue, assets, and client contracts, offering a more flexible approach than national lenders. This allows self-employed borrowers to apply without needing standard pay stubs.
Familiarity with Local Economy: Copper Mountain lenders understand the area’s tourism-driven economy and seasonal employment patterns, making them better equipped to help clients with unique income flows.
Working with a lender who has deep knowledge of Copper Mountain’s economy and mortgage options is an invaluable advantage for self-employed buyers.
Choosing the right mortgage broker can make a substantial difference for self-employed buyers navigating the Copper Mountain real estate market. Here are a few key qualities to look for:
Experience with Self-Employed Mortgages
Brokers with a history of working with self-employed clients can better navigate non-traditional documentation requirements and offer specialized mortgage solutions.
Local Market Knowledge
Copper Mountain brokers who understand the seasonal nature of the local economy and property market can provide insights that help buyers make informed decisions.
Strong Reputation and Community Ties
Finding a broker with a strong track record in Copper Mountain and connections within the community can offer additional reassurance and streamline the mortgage process.
Working with a Copper Mountain-based broker who knows the nuances of self-employed mortgages can help buyers feel confident and prepared.
Indulge in bold flavors at The Mission, known for its modern take on classic Southwestern dishes, or grab a plate of creative tacos at Diego Pops. For a more casual vibe, stop by Old Town Tortilla Factory for hearty Mexican fare.
The nightlife here is legendary. Sip on craft cocktails at Citizen Public House, or head to the Rusty Spur Saloon for live country music and dancing. Whether you’re into upscale lounges or dive bars, Old Town has you covered.
Traveling with kids? Try pizza at Craft 64, where the ingredients are fresh, and the atmosphere is relaxed. Don’t forget to grab dessert at Sugar Bowl, an old-school ice cream parlor loved by locals.
Southwestern Boutiques in Old Town Scottsdale: Find treasures at the many boutique shops featuring handcrafted Southwestern jewelry, Native American pottery, and unique art pieces. The Old Town Farmers Market, held seasonally, is another great spot for local goods and produce. Luxury and Modern Shopping near Old Town Scottsdale: For a high-end shopping experience, visit Scottsdale Fashion Square, located just a few blocks away. It’s home to designer brands like Gucci and Louis Vuitton, alongside trendy favorites like Zara and Anthropologie.
Old Town Scottsdale is known for its lively festivals and celebrations, offering something for every visitor. From food and culture to seasonal charm, these events bring the community together and showcase the best of Scottsdale.
Held every spring, the Scottsdale Culinary Festival is a highlight for food enthusiasts. As one of the longest-running food festivals in the U.S., it transforms Old Town into a gourmet wonderland. Attendees can sample dishes from Scottsdale’s finest restaurants, enjoy craft cocktails, and listen to live music. The vibrant atmosphere and variety of flavors make it a must-visit event for foodies of all ages.
Every February, Old Town Scottsdale honors its Old West roots with Western Week. This week-long celebration features events like the Parada del Sol Parade, showcasing horses, cowboys, and floats that march through the streets. Visitors can enjoy rodeo activities, live Western music, and artisan markets selling handcrafted goods. Western Week is a family-friendly event that connects visitors to Scottsdale’s rich history.
During the holiday season, Old Town transforms into a winter wonderland filled with festive decorations and events. Streets are illuminated with dazzling lights, creating a magical backdrop for holiday shopping and dining. Seasonal markets, caroling, and themed activities make this a perfect time to experience Old Town’s charm.
Throughout the year, Old Town Scottsdale hosts art and culture events that highlight the city’s creative spirit. These include art fairs, live music festivals, and gallery showcases that allow visitors to immerse themselves in Scottsdale’s vibrant arts scene.
During the holidays, Old Town lights up with festive decorations, making it the perfect time for a stroll. Throughout the year, art fairs and live music events keep the calendar packed with things to do.
Scottsdale Waterfront and Walking Trails: Take a scenic stroll along the Scottsdale Waterfront, where you’ll find picturesque views, public art installations, and charming cafes. McDowell Sonoran Preserve Near Old Town Scottsdale: A short drive from Old Town, the preserve offers breathtaking hiking trails and a chance to explore Arizona’s unique desert landscape.
Old Town Scottsdale is more than just a place to visit – it’s an experience. From its historic landmarks and vibrant arts scene to its incredible food and shopping, it’s the perfect mix of charm and excitement. Whether you’re exploring solo, with family, or with friends, Old Town Scottsdale promises memories you’ll treasure for a lifetime.
A fixed-rate mortgage has an interest rate that remains the same throughout the loan term, providing consistent monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that changes periodically, which can lead to lower initial payments but potentially higher payments in the future.
Your credit score significantly impacts the types of mortgage loans available to you and the interest rates you qualify for. Higher credit scores typically result in more favorable loan terms and lower interest rates.
An FHA loan offers lower down payment requirements and more lenient credit score criteria, making it an attractive option for first time home buyers who may not have significant savings or a high credit score.
Mortgage insurance is required for FHA loans and for conventional loans with down payments of less than 20%. VA and USDA loans generally do not require mortgage insurance.
To find the best mortgage rates, compare offers from multiple lenders, consider different loan types, and use tools like a mortgage calculator to understand how different interest rates will affect your monthly payments.
Choosing a reputable mortgage lender can make a significant difference in your home buying experience. A knowledgeable loan officer at Connect Mortgage can help you understand your options and guide you through the process.
