Refinance with disability income in Arizona: how lenders count SSDI, VA disability, and private long term benefits, the 3 year rule, and the 25% gross up on tax free income. Pillar Mortgage Group.
Most Arizona homeowners can waive escrow on a conventional refinance at 80% LTV or lower, usually for a 0.125% to 0.25% rate bump. Here is who qualifies, what it costs, and when it backfires. Pillar Mortgage Group, NMLS #2700076
Refinancing a VA loan into a conventional loan pays it off in full and lets Arizona veterans restore VA entitlement without selling, but the VA grants that restoration only once. How the math works in Phoenix and Scottsdale. Pillar Mortgage Group, NMLS #2700076
Arizona refinance rates hit a one year high in September 2026, with the 30 year fixed at 6.76% per Freddie Mac and refinance applications down 25% from a year ago. Here is what still pencils and what to do before the Fed meets. Pillar Mortgage Group, NMLS #2700076
You can refinance during an active Chapter 13 in Arizona, but only with FHA, VA, or USDA financing, only after 12 months of on time plan payments, and only with bankruptcy court approval. Here is the real process and timeline. Pillar Mortgage Group, NMLS #2700076.
A HELOC subordination agreement is required to refinance your first mortgage in Arizona. Expect two to four weeks and about $200 to $400. Here is what the second lien lender checks and how to avoid delays. 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).