Refinance on Social Security or Retirement Income in Arizona 2026: How Lenders Count Fixed Income

Published on: 09/13/2026

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

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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).

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