First time home buyer in Phoenix AZ: the 2026 Maricopa FHA limit, FHA, conventional 97 and VA options, Open Doors facts with an honest cost check, and Arizona buying steps. Pillar Mortgage Group.
In Phoenix's 2026 buyer's market, buyers can negotiate price cuts, seller concessions, and rate buydowns. Here's how to use that leverage in Scottsdale and Metro Phoenix. Pillar Mortgage Group, NMLS #2700076.
How much house can you afford in Arizona in 2026? Lenders cap total debt near 43% to 50% of gross income. See a worked $9,000 a month example at the 7.32% Freddie Mac average and a calculator. Pillar Mortgage Group.
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).