A 1099 income refinance lets Arizona contractors and commissioned earners qualify on gross 1099 income instead of tax returns, usually with one to two years of 1099s and an expense factor of 10 to 25 percent. Pillar Mortgage Group, NMLS #2700076.
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
A Non-QM refinance in Arizona lets self-employed borrowers and investors refinance using bank statements or rental income instead of tax returns. See 2026 options. 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).