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.
You can refinance in Arizona with a score as low as 580 on FHA and VA loans, while conventional refinances typically want 620 or higher. Here is what each loan type requires in 2026. 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).