When should you refinance in Arizona? Refinance when a rate drop recoups your closing costs within 2-3 years and you'll stay in the home longer. Here's what July 2026's rate move (30-yr ~6.9%) means. Pillar Mortgage Group, NMLS #2700076
A cash-out refinance in Scottsdale lets you convert built-up home equity into cash for renovations, debt, or investing. Here's how it works in 2026. Pillar Mortgage Group, NMLS #2700076.
Refinancing to remove PMI can save Arizona homeowners $100 to $300+ per month once they reach 20% equity. How PMI removal works in 2026, FHA MIP rules, when a servicer call beats a refi, and the break-even math. 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
Arizona refinance rates average 6.51% for a 30-year fixed in July 2026. If you locked in 7 to 8% in 2023 or 2024, refinancing could cut your payment by hundreds monthly. See the break-even math. Pillar Mortgage Group, NMLS #2700076
Refinance rates in Arizona are down about 55 basis points from a year ago. See where 30- and 15-year rates stand in June 2026 and whether a rate-and-term refinance can lower your Phoenix or Scottsdale payment. 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).