Yes, you can buy a house in Arizona with student loan debt. What matters is how a lender counts your monthly payment inside your debt to income ratio, and the rule changes by loan type. Here is how it works in 2026. Pillar Mortgage Group, NMLS #2700076
First-time home buyers in Arizona have real leverage in 2026: Phoenix inventory is up 15-20%, homes sell at 97.9% of list, and price cuts are common. Here's how to buy smart. Pillar Mortgage Group, NMLS #2700076
Learn exactly how to get pre-approved for a mortgage in Arizona — what documents you need, how long it takes, and what not to do after you get your letter.
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.
Tell us a little about your goals and we will match you with the right loan and get your pre-approval letter in hand, fast. It takes about two minutes.
No commitment · Under 2 minutes
Your information is never sold or shared. By submitting you authorize Pillar Mortgage Group LLC to contact you by phone, text, or email. Equal Housing Lender.
A member of our team will reach out shortly to match you with the right program.