Refinance with a second job in Arizona: when part time income counts, how many years of history lenders want, how they average your pay, and a debt to income example. Pillar Mortgage Group.
Refinance with commission income in Arizona: how lenders average two years of variable pay, what happens when commission drops, and a worked Scottsdale example showing a 5 point swing in debt to income. Pillar Mortgage Group.
Refinancing out of a hard money loan in Arizona takes 30 to 45 days and usually lands in a DSCR or conventional loan. Here are the seasoning rules, the LTV caps, and the timing mistakes that cost Phoenix investors money. Pillar Mortgage Group, NMLS #2700076
A low refinance appraisal raises your LTV, which can add mortgage insurance, worsen your rate, or kill the loan. Arizona homeowners have four real options: dispute it, bring cash, restructure the loan, or shop a second lender. Pillar Mortgage Group, NMLS #2700076
You can refinance a second home in Arizona, but the rate and loan-to-value rules are stricter than on a primary residence. Here is how a second home refinance works in Scottsdale and Phoenix in 2026. Pillar Mortgage Group, NMLS #2700076
You do not actually skip a mortgage payment when you refinance in Arizona. The skipped month is a timing shift: prepaid interest at closing pushes your first new payment out, and that interest is added to your loan. 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).