Refinance with seasonal income in Arizona: the 2 year rule, the 24 month average, how off-season unemployment is treated, and how to verify a job that is closed for the summer. Pillar Mortgage Group.
Buying a house during the holidays in Arizona: the 2026 dates that stall funding and recording, how a December closing changes prepaid interest, and how to protect your lock. Pillar Mortgage Group.
Overtime, bonus and commission income can count toward an Arizona mortgage, but lenders generally want a two year history and qualify you on the average, not your best year. Here is the real math. 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).