Every situation is different, so we work with a full menu of loan products, from conventional and government-backed to specialty programs, and match you with exactly the right financing for where you are and where you want to go.
Whether you are buying your first home, a vacation property, or an investment, we have the right loan and the expertise to close it cleanly.
The gold standard for buyers with solid credit and steady income. Conventional loans offer flexible terms, no upfront mortgage insurance with 20% down, and work for primary residences, second homes, and investment properties.
Backed by the Federal Housing Administration, FHA loans are designed to help buyers with lower credit scores or smaller down payments get into a home. One of the most accessible paths to homeownership available today.
A benefit earned through service. VA loans offer some of the most powerful terms available in the mortgage market, with no down payment, no private mortgage insurance, and highly competitive rates.
For properties above the conforming loan limit, jumbo loans require custom underwriting and a stronger financial profile, while offering the same speed and clarity you expect from PMG.
If your home has appreciated, you have built a powerful financial tool. A Home Equity Line of Credit lets you access that equity on a flexible draw schedule. Use it when you need it, and pay it down as you go.
Refinancing is not always the right move, but when it is, it can dramatically improve your financial picture. We run the numbers honestly and tell you exactly when a refi makes sense for your specific situation.
Asset-based lending for real estate investors, fix-and-flip buyers, new construction projects, and deals that do not fit traditional underwriting. Speed and flexibility are the priority, and we can close in as little as 7 to 10 days.
Not every borrower fits inside the box, and that is okay. Non-QM programs are built for self-employed buyers, investors, and borrowers with complex income or recent credit events who still deserve excellent financing.
Sources, last verified Oct 2026: FHA 3.5% down with a 580 credit score, HUD Handbook 4000.1. VA 0% down for eligible borrowers, VA.gov. Conventional 3% down and credit score rules, Fannie Mae.
That is exactly what we are here for. A short conversation is all it takes to find your best path forward.
A side-by-side look at the key differences between our most popular loan products. Every situation is unique, so ask us for a personalized comparison.
| Loan Type | Min. Down Payment | Min. Credit Score | PMI Required | Best For |
|---|---|---|---|---|
| Conventional Popular | 3% | No set minimum via Fannie Mae DU; 620 (fixed) or 640 (ARM) if manual | No, at 20% down | Strong-credit buyers, investors, second homes |
| FHA | 3.5% | 580+ | Yes. Annual MIP ends after 11 years with 10%+ down; otherwise life of loan | First-time buyers, lower credit scores |
| VA Benefit | 0% | Flexible | No | Veterans, active military, surviving spouses |
| Jumbo | 10 to 20% | 700+ | Varies | High-value homes above conforming limits |
| HELOC | Uses existing equity | 620+ | No | Homeowners needing flexible access to equity |
| Refinance | Existing equity required | 620+ | Depends on equity | Current homeowners lowering a rate or taking cash out |
Note: The above represents general guidelines. Actual requirements may vary by lender, market conditions, and individual loan scenario. Contact us for a personalized assessment.
Sources, last verified Oct 2026: FHA 3.5% down, 580 credit score, and annual MIP ending after 11 years with 10%+ down, HUD Handbook 4000.1 and HUD Mortgagee Letter 2023-05. VA 0% down, VA.gov. Conventional 3% down and credit score rules, Fannie Mae.
Tell us a little about your goals and we will match you with the right loan and get your pre-approval letter in hand, fast. It takes about two minutes.
No commitment · Under 2 minutes
Your information is never sold or shared. By submitting you authorize Pillar Mortgage Group LLC to contact you by phone, text, or email. Equal Housing Lender.
A member of our team will reach out shortly to match you with the right program.
A bank lends its own money and generally offers only its own loan products. A mortgage broker compares programs from several wholesale lenders and helps you choose among them. Pillar Mortgage Group is a mortgage broker, not a bank or direct lender.
Yes. We can lay out conventional and FHA options next to each other, including how down payment, mortgage insurance, and monthly cost differ for your scenario. Any comparison is an estimate until your file is reviewed and is subject to credit approval and program guidelines.
An early conversation about goals, income, and programs does not require a hard credit pull. We tell you before any hard credit inquiry is made, so you decide when that step happens.
Most borrowers start with recent pay stubs and W-2s, or tax returns and bank statements if self-employed, plus asset statements for the funds you plan to use and details on any properties you own. Investors considering a DSCR loan should have the expected rent.
Yes. Pillar Mortgage Group is based in Scottsdale and serves borrowers across Arizona, including Tucson, Flagstaff, and Prescott, and DSCR investor loans are available nationwide. You can book a call to discuss your location and goals.
Pillar Mortgage Group, LLC is an Equal Housing Opportunity lender, doing business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.
Company NMLS# 2700076 | Arizona Mortgage Broker License MB-2009671 | View NMLS Consumer Access