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
You can refinance an Arizona home on Social Security and retirement income, and the non taxable portion gets grossed up, which lowers your debt to income ratio. Here is how lenders document it. Pillar Mortgage Group, NMLS #2700076
Biweekly mortgage payments cut about six years off a 30 year Arizona loan by adding one payment a year, but they never lower your payment. Refinancing does. Here is the math on both. Pillar Mortgage Group, NMLS #2700076
Changing jobs during an Arizona refinance does not automatically kill the loan. Lenders verify employment again within 10 days of closing. Here is what clears, what stalls, and what to send your broker. Pillar Mortgage Group.
Bought your Arizona home at 7-8%? With refinance rates near 6.5% in 2026, lowering your rate could cut your payment. Here's how to know if a rate-and-term refinance pays off. Pillar Mortgage Group, NMLS #2700076
Self-employed and want to refinance in Arizona? See how bank statement and Non-QM refinance loans work for Phoenix and Scottsdale business owners in 2026, with 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).