Prepayment Penalty on an Arizona Refinance 2026: How to Check Before You Pay Off Your Loan

Published on: 08/18/2026

Most Arizona homeowners have no prepayment penalty, but DSCR and Non-QM investor loans often carry a 5 to 1 step down penalty for five years. Here is how to check your note before you refinance. Pillar Mortgage Group, NMLS #2700076

Arizona Mortgage and Home Selling Guides

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).

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