Waiting until 2027 trades today's negotiating power for a rate you could refinance into anyway. Scottsdale sits near 3.7 months of inventory and most metro Phoenix closings under $600,000 include seller money. Pillar Mortgage Group, NMLS #2700076
A 401k loan lets you borrow up to $50,000 for an Arizona down payment with no tax or penalty, while an early withdrawal usually costs 10% plus income tax. How Phoenix and Scottsdale buyers should decide. Pillar Mortgage Group, NMLS #2700076
VantageScore 4.0 is now accepted for conforming mortgages, and as of June 2026 the top 30 lenders can use it. Here is what the new credit scoring rules mean for Phoenix and Scottsdale buyers. Pillar Mortgage Group, NMLS #2700076
How much down payment do you need for a house in Arizona in 2026? 0% on VA and USDA, 3% on conventional 97, 3.5% on FHA. NAR puts the national first time buyer median at 10%. Dollar amounts on a Phoenix median price. Pillar Mortgage Group.
A non-occupant co-borrower lets a parent or family member add their income to your loan so you can qualify for an Arizona home. Here is how it works in 2026 from Pillar Mortgage Group, NMLS #2700076
Rent vs buy in Phoenix 2026: what owning a $454,699 median priced home costs a month at the 7.32% Freddie Mac average with 3.5% down, how much equity five years builds, and how to compare it with your rent. 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).