The best time to buy a house in Arizona is late September through October, before winter visitor demand arrives. NAR data puts fall about 5 percent under the June peak, but the West is the region least affected by seasonality. Pillar Mortgage Group, NMLS #2700076.
Most Arizona home sellers owe no capital gains tax. Live in the house 2 of the last 5 years and you exclude $250,000 of gain, or $500,000 married. Arizona also subtracts 25% of long term gain. Pillar Mortgage Group, NMLS #2700076.
Phoenix housing market August 2026: the Maricopa County median is near $504,900, supply sits around 3.6 months, and homes average about 73 days to sell. What that means for Phoenix and Scottsdale buyers and sellers, from Pillar Mortgage Group.
Over 25% of Phoenix listings have cut prices in July 2026, with inventory up 15–20% year over year. Here's how agents and sellers should price, negotiate, and use rate buydowns to win in Arizona's buyer's market. Pillar Mortgage Group, NMLS #2700076
Mortgage rates in Arizona sit at 6.44% for a 30-year fixed as of July 2026 — held up by inflation and Treasury yields, not the Fed alone. Here's what Phoenix and Scottsdale buyers should know. Pillar Mortgage Group, NMLS #2700076
The 2026 Arizona housing market has shifted toward balance, with more inventory and less buyer competition across Scottsdale and Phoenix. Here is what buyers should know. Pillar Mortgage Group, NMLS #2700076.
Every situation is different, so we work with a full menu of loan products, from conventional and government-backed to specialty programs, and match you with exactly the right financing for where you are and where you want to go.
Whether you are buying your first home, a vacation property, or an investment, we have the right loan and the expertise to close it cleanly.
The gold standard for buyers with solid credit and steady income. Conventional loans offer flexible terms, no upfront mortgage insurance with 20% down, and work for primary residences, second homes, and investment properties.
Backed by the Federal Housing Administration, FHA loans are designed to help buyers with lower credit scores or smaller down payments get into a home. One of the most accessible paths to homeownership available today.
A benefit earned through service. VA loans offer some of the most powerful terms available in the mortgage market, with no down payment, no private mortgage insurance, and highly competitive rates.
For properties above the conforming loan limit, jumbo loans require custom underwriting and a stronger financial profile, while offering the same speed and clarity you expect from PMG.
If your home has appreciated, you have built a powerful financial tool. A Home Equity Line of Credit lets you access that equity on a flexible draw schedule. Use it when you need it, and pay it down as you go.
Refinancing is not always the right move, but when it is, it can dramatically improve your financial picture. We run the numbers honestly and tell you exactly when a refi makes sense for your specific situation.
Asset-based lending for real estate investors, fix-and-flip buyers, new construction projects, and deals that do not fit traditional underwriting. Speed and flexibility are the priority, and we can close in as little as 7 to 10 days.
Not every borrower fits inside the box, and that is okay. Non-QM programs are built for self-employed buyers, investors, and borrowers with complex income or recent credit events who still deserve excellent financing.
That is exactly what we are here for. A short conversation is all it takes to find your best path forward.
A side-by-side look at the key differences between our most popular loan products. Every situation is unique, so ask us for a personalized comparison.
| Loan Type | Min. Down Payment | Min. Credit Score | PMI Required | Best For |
|---|---|---|---|---|
| Conventional Popular | 3% | 620+ | No, at 20% down | Strong-credit buyers, investors, second homes |
| FHA | 3.5% | 580+ | Yes, for life of loan | First-time buyers, lower credit scores |
| VA Benefit | 0% | Flexible | No | Veterans, active military, surviving spouses |
| Jumbo | 10 to 20% | 700+ | Varies | High-value homes above conforming limits |
| HELOC | Uses existing equity | 620+ | No | Homeowners needing flexible access to equity |
| Refinance | Existing equity required | 620+ | Depends on equity | Current homeowners lowering a rate or taking cash out |
Note: The above represents general guidelines. Actual requirements may vary by lender, market conditions, and individual loan scenario. Contact us for a personalized assessment.
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