Net tangible benefit is the test a lender runs to prove a refinance actually helps you. With refinance rates near 7.4% in September 2026, more Arizona files are failing it. Here is what the test measures. Pillar Mortgage Group, NMLS #2700076
Arizona refinance rates hit a one year high in September 2026, with the 30 year fixed at 6.76% per Freddie Mac and refinance applications down 25% from a year ago. Here is what still pencils and what to do before the Fed meets. Pillar Mortgage Group, NMLS #2700076
An asset depletion refinance lets Arizona homeowners qualify using savings and investments instead of a paycheck. Here is how the calculation, credit, and rate-and-term or cash-out options work in Scottsdale and Phoenix. 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).