What Credit Score Do You Need to Refinance in Arizona? 2026 Guide by Loan Type

Published on: 07/30/2026

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

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).

Conventional loans
FHA loans
VA loans
Jumbo loans
DSCR loans
Bank statement loans
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