Refinance with collections or medical debt in Arizona: when you must pay, when you can leave them open, how FHA and conventional differ, and what it does to your debt ratio. Pillar Mortgage Group.
Refinance with alimony or child support income in Arizona: the three tests lenders apply, how long support must continue, and a Scottsdale example showing a 10 point debt to income swing. Pillar Mortgage Group.
Refinance with commission income in Arizona: how lenders average two years of variable pay, what happens when commission drops, and a worked Scottsdale example showing a 5 point swing in debt to income. Pillar Mortgage Group.
Can you buy a house with a new job in Arizona? Usually yes. Lenders want two years of work history, not two years at one employer. See what counts and what to avoid. 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).