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.
First-time home buyer programs in Arizona include FHA (3.5% down), Fannie Mae HomeReady (3% down), and Home Plus down payment assistance. 2026 conforming limit: $832,750. Scottsdale: 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).