If your Arizona balloon payment is coming due, start the refinance 6 to 9 months early. Balloon notes rarely include a grace period, and the maturity date is a hard deadline. Here is the timeline and your real options. Pillar Mortgage Group, NMLS #2700076
Extending a rate lock on an Arizona refinance runs 0.125 to 0.375 points, about $500 to $1,500 on a $400,000 loan. Letting it expire triggers worst case pricing, which costs far more. Pillar Mortgage Group, NMLS #2700076
Adding someone to your mortgage in Arizona takes a refinance, not a phone call to your servicer. Here is how adding a spouse or co-borrower works in 2026, what it costs, and when it backfires. Pillar Mortgage Group, NMLS #2700076
Refinancing a purchase money loan in Arizona generally keeps your anti-deficiency protection, but cash out dollars sit outside that shield. Here is what Phoenix and Scottsdale homeowners should understand before refinancing. Pillar Mortgage Group, NMLS #2700076
You can refinance an Arizona home held in a revocable living trust without pulling it out of the trust, as long as the trust qualifies. Here are the documents, the deal breakers, and the delays to plan for in 2026. Pillar Mortgage Group, NMLS #2700076
An Arizona refinance requires a new lender's title insurance policy, but your owner's policy stays in force and a reissue rate can cut the premium by roughly 40%. Here is how title costs work on a 2026 refinance. 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).