ATTOM's newest home equity report shows the national equity rich share falling to 41.1 percent. Here is what that means for an Arizona cash out refinance and dropping mortgage insurance in 2026. Pillar Mortgage Group.
Yes, you can refinance an Arizona home with an ITIN. Here is how ITIN refinance loans work in 2026, what lenders require, typical equity and credit limits, and when refinancing pays off. Pillar Mortgage Group.
Thinking about refinancing the loan your Phoenix builder financed? Nothing locks you in, but the unused buydown escrow and a new build appraisal can cost you more than the rate saves. Pillar Mortgage Group, NMLS #2700076.
Yes, you can use a cash out refinance to buy another house in Arizona. Conventional caps you at 80% of appraised value, VA at 90%, and the real limit is carrying both payments. Here is the full math. Pillar Mortgage Group, NMLS #2700076
Refinancing with Arizona down payment assistance means paying off the second lien. Neither HOME Plus nor Home in Five will subordinate. How the payoff, the 60 month forgiveness clock, and rate and term pricing work in Phoenix. Pillar Mortgage Group.
A home equity loan keeps your first mortgage rate, a cash out refinance replaces it. With the 30 year averaging 6.71% in September 2026, here is the real math for Scottsdale and Phoenix homeowners. 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).