Refinance with disability income in Arizona: how lenders count SSDI, VA disability, and private long term benefits, the 3 year rule, and the 25% gross up on tax free income. Pillar Mortgage Group.
You can refinance during an active Chapter 13 in Arizona, but only with FHA, VA, or USDA financing, only after 12 months of on time plan payments, and only with bankruptcy court approval. Here is the real process and timeline. Pillar Mortgage Group, NMLS #2700076.
Adding someone to your mortgage in Arizona takes a refinance, not a phone call to your servicer. Here is how adding a spouse or co-borrower works in 2026, what it costs, and when it backfires. Pillar Mortgage Group, NMLS #2700076
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
The Fed held its benchmark rate at 3.50% to 3.75% on July 29, 2026, its fifth straight hold, but three members dissented for a hike. Here is what it means for Arizona mortgage rates. Pillar Mortgage Group, NMLS #2700076
Should you refinance in 2026? With Arizona mortgage rates easing to about 6.37%, here is how Phoenix and Scottsdale homeowners can decide if refinancing makes sense. 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).