Escrow pays your mortgage off from the sale proceeds at closing. Here is what the payoff statement includes, why it exceeds your balance, the liens escrow finds, and when your impounds come back. Pillar Mortgage Group, NMLS #2700076
Replace the water heater before listing only if it leaks, is out of warranty and corroded, or sits where a failure floods finished space. Age alone is not a reason. Here is the math. Pillar Mortgage Group, NMLS #2700076
Replace countertops only if a buyer would call them damaged or the kitchen reads as half finished. Here is what the resale data actually supports before you spend. Pillar Mortgage Group, NMLS #2700076
A big following gets your listing seen. It does not get it sold. Here is how to tell marketing reach from real results when you compare listing agents. Pillar Mortgage Group, NMLS #2700076
The listing window here runs late January through March, and the month by month data says why. What the numbers show, which stretches to avoid, and when your own timeline wins. Pillar Mortgage Group, NMLS #2700076
Replace carpet a buyer would call damaged. Clean carpet that is only dated. Anyone quoting you a flooring return percentage is using numbers the current data no longer supports. 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).