Refinance with a second job in Arizona: when part time income counts, how many years of history lenders want, how they average your pay, and a debt to income example. Pillar Mortgage Group.
Owe the IRS and want to refinance in Phoenix or Scottsdale? See how lenders count a payment plan, what a recorded tax lien does to closing, and when a cash out refinance can pay it off. Pillar Mortgage Group.
Can you refinance a house with unpermitted work in Arizona? An excluded $87,500 garage conversion can push a $400,000 loan from 77% to 92.5% loan to value. See your options. Pillar Mortgage Group.
Refinance rates in Arizona are down about 55 basis points from a year ago. See where 30- and 15-year rates stand in June 2026 and whether a rate-and-term refinance can lower your Phoenix or Scottsdale payment. 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).