Construction Loans in Arizona 2026: How to Finance a Custom Build in Phoenix and Scottsdale

Published on: 08/17/2026

Construction loans in Arizona typically need 10% to 25% down, though VA one-time close options can go to zero. Here is how construction to permanent financing works for Phoenix and Scottsdale builds, what lenders check, and what it costs. Pillar Mortgage Group, NMLS #2700076

Arizona Mortgage and Home Selling Guides

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).

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