Refinance With Late Mortgage Payments in Arizona 2026: How Long You Actually Have to Wait

Published on: 09/23/2026

Can you refinance with a late mortgage payment in Arizona? Conventional usually wants 12 clean months, an FHA streamline allows one 30 day late, and a VA IRRRL needs extra review. Here is the real wait. Pillar Mortgage Group.

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
Get pre-approved
Rates and fees

Book a 15 minute call