What should a first time home buyer do first in Arizona? Pull your credit, set a payment budget, then get pre approved before you tour. The 10 steps in order, with sourced 2026 Arizona numbers. Pillar Mortgage Group.
Overtime, bonus and commission income can count toward an Arizona mortgage, but lenders generally want a two year history and qualify you on the average, not your best year. Here is the real math. 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).