Refinance After a Loan Modification in Arizona 2026: Waiting Periods and Partial Claims

Published on: 09/15/2026

You can refinance after a loan modification in Arizona, but expect 12 months of on time payments first, and an FHA partial claim second lien that has to be paid off or resubordinated. 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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