Refinance while deployed or on PCS orders in Arizona: how a power of attorney works, when remote notarization helps, the SCRA catch, and a 30 day plan for military homeowners. Pillar Mortgage Group.
Holding a seller-financed note in Arizona? Here is how to refinance it into a conventional loan: what lenders need, how payoff and seasoning rules work, what it costs, and when waiting wins. Pillar Mortgage Group.
Refinance with collections or medical debt in Arizona: when you must pay, when you can leave them open, how FHA and conventional differ, and what it does to your debt ratio. Pillar Mortgage Group.
Refinance with a second job in Arizona: when part time income counts, how many years of history lenders want, how they average your pay, and a debt to income example. Pillar Mortgage Group.
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.
Owe the IRS and want to refinance in Phoenix or Scottsdale? See how lenders count a payment plan, what a recorded tax lien does to closing, and when a cash out refinance can pay it off. Pillar Mortgage Group.
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).