What not to do before closing on a house in Arizona: new debt, job changes, big deposits, and credit pulls that can sink an approval in the final weeks. Includes a Scottsdale debt to income example. Pillar Mortgage Group.
Two Arizona lenders can quote the same 7% rate and still be thousands apart in cost. Here is how to read pages 1, 2, and 3 of a Loan Estimate and pick the cheaper loan. Pillar Mortgage Group, NMLS #2700076
A lender credit is money your lender applies to closing costs in exchange for a slightly higher rate. With 30 year rates near 7%, it can cover $8,000 or more for Phoenix buyers. Here is the real math. Pillar Mortgage Group, NMLS #2700076
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
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
No. Credit scoring models treat multiple mortgage inquiries inside a short shopping window as a single inquiry, so Arizona buyers can compare several lenders without stacking damage. Here is how to shop correctly. 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).