A 401k loan lets you borrow up to $50,000 for an Arizona down payment with no tax or penalty, while an early withdrawal usually costs 10% plus income tax. How Phoenix and Scottsdale buyers should decide. Pillar Mortgage Group, NMLS #2700076
ARM applications hit 8.5% of volume, the highest since June, as the average ARM rate of 5.82% undercut the 6.85% 30 year fixed. Here is who should actually use an adjustable rate mortgage in Phoenix and Scottsdale, and who should not. Pillar Mortgage Group, NMLS #2700076
In Arizona your spouse does not have to be on the mortgage, but community property law means they will almost always need to sign the deed of trust at closing. Here is how it actually works in 2026. Pillar Mortgage Group, NMLS #2700076
An interest-only mortgage lets Arizona buyers pay only interest for 5 to 10 years, which lowers the payment but builds no equity. Here is how they work and who qualifies in Scottsdale and Phoenix. 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).