With rates back above 7%, a $10,000 seller funded rate buydown saves an Arizona buyer roughly $186 a month versus about $60 for a $10,000 price cut. Here is how to run the math before you write your offer. Pillar Mortgage Group.
If your Arizona appraisal comes in low, you have four options: renegotiate the price, pay the gap in cash, dispute the value, or walk away with an appraisal contingency. Here is how each works. Pillar Mortgage Group, NMLS #2700076
Phoenix is a buyer's market in 2026, with inventory up 15-20% and a quarter of listings cutting price. Learn how to negotiate seller concessions in Arizona. Pillar Mortgage Group, NMLS #2700076.
Arizona's median listing price is down about 3.5% to roughly $468,000, giving 2026 buyers real negotiating power in Phoenix and Scottsdale. Learn 5 proven strategies: seller-paid rate buydowns, closing cost credits, and more. 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).