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
You can buy a house in Arizona about 2 years after a Chapter 7 bankruptcy or foreclosure with FHA or VA financing, and 3 to 4 years with USDA or conventional loans. Here is every 2026 waiting period by loan type. 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).