Mortgage Rates July 2026: Why They're Stuck Near 6.5% in Arizona

Published on: 07/15/2026

Mortgage rates in July 2026 are holding near 6.5% because the Fed hasn't cut. Here's what that means for Scottsdale and Phoenix buyers right now. 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).

Conventional loans
FHA loans
VA loans
Jumbo loans
DSCR loans
Bank statement loans
Get pre-approved
Rates and fees

Book a 15 minute call