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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).

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Bank Statement Loan Expense Factor: Why Yours Is Higher

Published on: 11/08/2026

Why a bank statement lender may assume more expenses than you really have, how industry and your CPA change the expense factor, and worked examples for Arizona contractors, consultants and salon owners. Pillar Mortgage Group.

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Pillar Mortgage Group, LLC is an Equal Housing Lender, doing business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.
Company NMLS #2700076  |  Arizona Mortgage Broker License MB-2009671  |  View NMLS Consumer Access

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Loan programs, first time buyer steps, costs and Blake's answers to the questions Arizona buyers ask most.

PILLAR|MORTGAGE GROUP

A Scottsdale mortgage broker that compares available lender options and keeps you informed from pre-approval through closing.

Company NMLS #2700076  |  AZ Mortgage Broker License MB-2009671
Blake Hermann, Individual NMLS #2271358
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9089 E Bahia Dr, Suite 101A
Scottsdale, AZ 85260
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Company and Resources
Pillar Mortgage Group, LLC | 9089 E Bahia Dr, Suite 101A, Scottsdale, AZ 85260 | Company NMLS #2700076 | Arizona Mortgage Broker License MB-2009671 | Blake Hermann, Individual NMLS #2271358 | Equal Housing Opportunity
Not a commitment to lend. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available for all loan amounts or property types. Interest rates and program information are subject to change without notice.
Pillar Mortgage Group, LLC conducts business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.  |  Privacy Policy  |  CCPA  |  Licensing and Disclosures  |  NMLS Consumer Access
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