First Time Home Buyer With No Credit in Arizona

Published on: 10/30/2026

No credit score? Arizona first time buyers can still qualify. How FHA and Fannie Mae use rent, utilities and other nontraditional credit, the ratio limits, and what to bring. Pillar Mortgage Group.

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
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