ATTOM's newest home equity report shows the national equity rich share falling to 41.1 percent. Here is what that means for an Arizona cash out refinance and dropping mortgage insurance in 2026. Pillar Mortgage Group.
A P&L only refinance in Arizona lets self employed homeowners qualify on a CPA prepared profit and loss statement instead of tax returns or bank statements. Requirements, LTV limits, and real costs in Scottsdale and Phoenix. Pillar Mortgage Group, NMLS #2700076.
Biweekly mortgage payments cut about six years off a 30 year Arizona loan by adding one payment a year, but they never lower your payment. Refinancing does. Here is the math on both. Pillar Mortgage Group, NMLS #2700076
Yes, you can use a cash out refinance to buy another house in Arizona. Conventional caps you at 80% of appraised value, VA at 90%, and the real limit is carrying both payments. Here is the full math. Pillar Mortgage Group, NMLS #2700076
Refinancing with Arizona down payment assistance means paying off the second lien. Neither HOME Plus nor Home in Five will subordinate. How the payoff, the 60 month forgiveness clock, and rate and term pricing work in Phoenix. Pillar Mortgage Group.
Phoenix home values are down about 2.1% over the past year, which moves your loan to value before it moves your equity. Here is what that does to a refinance in Phoenix and Scottsdale, and which doors close at which LTV. 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).