Most Arizona refinances need about 12 documents: 30 days of pay stubs, two years of W2s and returns, two months of bank statements, ID, insurance, and your current mortgage statement. Full checklist inside. Pillar Mortgage Group, NMLS #2700076
Adding someone to your mortgage in Arizona takes a refinance, not a phone call to your servicer. Here is how adding a spouse or co-borrower works in 2026, what it costs, and when it backfires. Pillar Mortgage Group, NMLS #2700076
A HELOC subordination agreement is required to refinance your first mortgage in Arizona. Expect two to four weeks and about $200 to $400. Here is what the second lien lender checks and how to avoid delays. Pillar Mortgage Group, NMLS #2700076
Arizona refinance rates dropped below 7% in August 2026, with the 30-year refi averaging near 6.9% after a weak jobs report. Here is whether refinancing your Phoenix home makes sense now. 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
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
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).