Refinance with alimony or child support income in Arizona: the three tests lenders apply, how long support must continue, and a Scottsdale example showing a 10 point debt to income swing. Pillar Mortgage Group.
Can you refinance a house with unpermitted work in Arizona? An excluded $87,500 garage conversion can push a $400,000 loan from 77% to 92.5% loan to value. See your options. Pillar Mortgage Group.
The VA funding fee is 0.5% on an IRRRL and 2.15% to 3.3% on a VA cash out refinance, and veterans receiving VA disability compensation pay nothing at all. Here is how it works in Arizona. Pillar Mortgage Group.
Most Arizona homeowners can waive escrow on a conventional refinance at 80% LTV or lower, usually for a 0.125% to 0.25% rate bump. Here is who qualifies, what it costs, and when it backfires. Pillar Mortgage Group, NMLS #2700076
Refinancing a duplex, triplex, or fourplex in Arizona follows different rules than a single family home. 2026 conforming limits reach $1,601,750 on 4 units. Here are the LTV, reserve, and rental income requirements. Pillar Mortgage Group, NMLS #2700076
If your Arizona balloon payment is coming due, start the refinance 6 to 9 months early. Balloon notes rarely include a grace period, and the maturity date is a hard deadline. Here is the timeline and your real options. 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).