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.
Rapid rescore for a mortgage in Arizona: what it can fix, what it cannot, how long it takes, what it costs, and when a quarter point makes it worth it. See the math on $400,000. Pillar Mortgage Group.
How long does a mortgage pre-approval last in Arizona? Most run 60 to 90 days, but credit, pay stubs, and rates age faster. See what expires, how to renew, and what agents should check. Pillar Mortgage Group.
Buying a house with a pool in Arizona? Lenders finance them like any home, but insurance, upkeep, and repairs change your budget. See the real monthly costs and what to inspect. Pillar Mortgage Group.
Will mortgage rates hit 8% in 2026? The 10 year Treasury just touched 5.04% and the Fed hiked. Here is what it would take to reach 8%, what it costs Phoenix buyers, and how to plan. Pillar Mortgage Group.
Two Arizona lenders can quote the same 7% rate and still be thousands apart in cost. Here is how to read pages 1, 2, and 3 of a Loan Estimate and pick the cheaper loan. Pillar Mortgage Group, NMLS #2700076
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).