How much equity do you need to refinance in Arizona? A rate-and-term refinance can need as little as 3% to 5%, while a cash-out refinance usually requires keeping 20% equity. Here's the 2026 breakdown by loan type. Pillar Mortgage Group, NMLS #2700076
Refinance your ARM to a fixed rate if it's resetting above today's ~6.5% Arizona 30-year refinance average. See the reset math, rate caps, and when keeping your ARM is smarter for Phoenix homeowners. Pillar Mortgage Group, NMLS #2700076
Refinancing a mortgage in Arizona typically takes 30 to 45 days from application to closing in 2026. Full step-by-step refinance timeline for Phoenix and Scottsdale homeowners from 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).