Extending a rate lock on an Arizona refinance runs 0.125 to 0.375 points, about $500 to $1,500 on a $400,000 loan. Letting it expire triggers worst case pricing, which costs far more. Pillar Mortgage Group, NMLS #2700076
An Arizona refinance requires a new lender's title insurance policy, but your owner's policy stays in force and a reissue rate can cut the premium by roughly 40%. Here is how title costs work on a 2026 refinance. Pillar Mortgage Group, NMLS #2700076
A cash-in refinance means bringing money to closing to shrink your loan, which can drop PMI, unlock a lower rate, or shorten your term. Here is when it pays off for Arizona homeowners in Scottsdale and Phoenix. Pillar Mortgage Group, NMLS #2700076
Arizona 15-year refinance rates average about 6.06% vs 6.69% for a 30-year (July 2026). See the payment math, lifetime interest savings, and who should switch from a 30-year mortgage. Pillar Mortgage Group, NMLS #2700076
A no-closing-cost refinance in Arizona lets you refinance without paying upfront fees by rolling them into the loan or accepting a slightly higher rate. Here's when it makes sense, from Pillar Mortgage Group, NMLS #2700076.
Refinancing a mortgage in Arizona typically costs 2-5% of the loan amount in closing costs. Here's the full breakdown for 2026 and how to know if it's worth it. 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).