Want to lower your mortgage payment in Arizona? With refinance APRs near 6.51% in July 2026, five strategies can cut your monthly cost: rate-and-term refi, MIP removal, streamline refis, term extension, and debt consolidation. Pillar Mortgage Group, NMLS #2700076
How to refinance a mortgage in Arizona: apply with a lender, lock your rate, complete appraisal and underwriting, close in 14 to 30 days. Break-even typically 18 to 36 months. Step-by-step guide by Pillar Mortgage Group, NMLS #2700076.
Refinance rates in Arizona are down about 55 basis points from a year ago. See where 30- and 15-year rates stand in June 2026 and whether a rate-and-term refinance can lower your Phoenix or Scottsdale payment. 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).