40-Year Mortgage Refinance in Arizona 2026: Lower Payment, Much Bigger Cost

Published on: 09/17/2026

A 40-year refinance in Arizona lowers your payment roughly $150 to $350 a month, but it is Non-QM only, priced 0.50% to 1.25% above 30-year terms, and can add more than $200,000 in lifetime interest. Pillar Mortgage Group, NMLS #2700076

Mortgage Recast vs Refinance in Arizona 2026: How to Lower Your Payment

Published on: 08/04/2026

A mortgage recast lowers your Arizona payment by applying a lump sum to principal and re-amortizing your loan, with no new rate and no closing costs. Here is how recasting compares to refinancing in 2026. Pillar Mortgage Group, NMLS #2700076

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