Most sellers call a listing agent two weeks too late. Here is the real runway from first call to money in the bank, what calling early does not commit you to, and the 90 day prep sequence. Pillar Mortgage Group, NMLS #2700076
Buyers do not mind pets. They mind the evidence. What to repair, what to clean, what to disclose, and the two pet problems that actually cost you money at closing. Pillar Mortgage Group, NMLS #2700076
First time home buyer in Scottsdale AZ: where the 2026 FHA, conforming and jumbo lines fall against Scottsdale prices, 3% down options, VA, local program facts and Arizona steps. Pillar Mortgage Group.
Down payment assistance in Arizona is a second lien, not free money. HOME Plus is forgiven after 60 months, repaid on sale or refinance before then, and AzIDA says rates may be slightly higher. Blake's take. Pillar Mortgage Group.
What credit score do you need to buy a house in Arizona? FHA 580 with 3.5% down, conventional around 620, VA set by lenders, plus Arizona down payment assistance minimums. Sourced 2026 guide for first time buyers. Pillar Mortgage Group.
Who counts as a first time home buyer? Anyone with no home ownership in the past 3 years, per Fannie Mae and HUD, plus exceptions for spouses, single parents and more. What it changes for Arizona loans. Pillar Mortgage Group.
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).