Refinance with disability income in Arizona: how lenders count SSDI, VA disability, and private long term benefits, the 3 year rule, and the 25% gross up on tax free income. Pillar Mortgage Group.
What not to do before closing on a house in Arizona: new debt, job changes, big deposits, and credit pulls that can sink an approval in the final weeks. Includes a Scottsdale debt to income example. Pillar Mortgage Group.
Seller financing lets an Arizona seller act as the lender, with the buyer paying them directly, usually at a rate 1 to 3 points above market and with a balloon due in 3 to 7 years. Here is how carryback deals really work. Pillar Mortgage Group, NMLS #2700076
A HELOC is cheaper and slower, a bridge loan is faster and costlier. In a Phoenix market where homes sit about 52 days, that speed difference decides which one fits. Here is how Arizona homeowners should choose in 2026. Pillar Mortgage Group, NMLS #2700076
How much down payment do you need for a house in Arizona in 2026? 0% on VA and USDA, 3% on conventional 97, 3.5% on FHA. NAR puts the national first time buyer median at 10%. Dollar amounts on a Phoenix median price. Pillar Mortgage Group.
A mortgage rate float down lets Arizona refinance borrowers capture a lower rate after locking, usually if market rates fall 0.25% to 0.50%. Fees run 0.25% to 1.0% of the loan. Here is when it pays. 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).