In Arizona your spouse does not have to be on the mortgage, but community property law means they will almost always need to sign the deed of trust at closing. Here is how it actually works in 2026. Pillar Mortgage Group, NMLS #2700076
No. Credit scoring models treat multiple mortgage inquiries inside a short shopping window as a single inquiry, so Arizona buyers can compare several lenders without stacking damage. Here is how to shop correctly. Pillar Mortgage Group, NMLS #2700076
An interest-only mortgage lets Arizona buyers pay only interest for 5 to 10 years, which lowers the payment but builds no equity. Here is how they work and who qualifies in Scottsdale and Phoenix. Pillar Mortgage Group, NMLS #2700076
Assumable mortgage in Arizona 2026: which FHA and VA loans can be taken over, the 0.5% VA assumption funding fee, the equity gap you must cover, and a Phoenix example against the 7.32% Freddie Mac average. Pillar Mortgage Group.
FHA vs conventional in Arizona for 2026: FHA allows 3.5% down at 580, conventional 97 allows 3% down with cancelable PMI. Side by side costs, limits and a Phoenix example. Pillar Mortgage Group, NMLS #2700076.
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).