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Arizona Mortgage and Home Selling Guides

Straight answers on buying, refinancing, and selling a home in Scottsdale, Phoenix, and across Arizona, from Blake Hermann, Director of Lending at Pillar Mortgage Group (NMLS #2271358).

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DSCR Loan Reserve Requirements: When You Need None

Published on: 11/05/2026

How many months of reserves does a DSCR loan need? With us, none when the loan is under $1 million and the LTV is under 75%. See where the lines fall, why 75% exactly still counts and how gifts fit. Pillar Mortgage Group.

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Pillar Mortgage Group, LLC is an Equal Housing Lender, doing business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.
Company NMLS #2700076  |  Arizona Mortgage Broker License MB-2009671  |  View NMLS Consumer Access

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Loan programs, first time buyer steps, costs and Blake's answers to the questions Arizona buyers ask most.

PILLAR|MORTGAGE GROUP

A Scottsdale mortgage broker that compares available lender options and keeps you informed from pre-approval through closing.

Company NMLS #2700076  |  AZ Mortgage Broker License MB-2009671
Blake Hermann, Individual NMLS #2271358
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9089 E Bahia Dr, Suite 101A
Scottsdale, AZ 85260
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Company and Resources
Pillar Mortgage Group, LLC | 9089 E Bahia Dr, Suite 101A, Scottsdale, AZ 85260 | Company NMLS #2700076 | Arizona Mortgage Broker License MB-2009671 | Blake Hermann, Individual NMLS #2271358 | Equal Housing Opportunity
Not a commitment to lend. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available for all loan amounts or property types. Interest rates and program information are subject to change without notice.
Pillar Mortgage Group, LLC conducts business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.  |  Privacy Policy  |  CCPA  |  Licensing and Disclosures  |  NMLS Consumer Access
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