Price Reduction vs Rate Buydown in Arizona 2026: Which Seller Concession Saves You More

Published on: 09/22/2026

With rates back above 7%, a $10,000 seller funded rate buydown saves an Arizona buyer roughly $186 a month versus about $60 for a $10,000 price cut. Here is how to run the math before you write your offer. Pillar Mortgage Group.

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Lender Credits on an Arizona Mortgage 2026: How to Get the Lender to Pay Your Closing Costs

Published on: 09/21/2026

A lender credit is money your lender applies to closing costs in exchange for a slightly higher rate. With 30 year rates near 7%, it can cover $8,000 or more for Phoenix buyers. Here is the real math. Pillar Mortgage Group, NMLS #2700076

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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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