Closing Disclosure 3 day rule in Arizona: when the clock starts, which fees can change after your Loan Estimate, what restarts the wait, and what to check before you sign. Includes a Scottsdale example. Pillar Mortgage Group.
Mortgage reserves in Arizona: how many months of payments lenders want left after closing, what counts as an asset, and real numbers on a $550,000 Scottsdale purchase. Pillar Mortgage Group.
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.
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).