Yes, you can refinance a paid-off house in Arizona, but lenders treat it as a cash-out refinance, usually up to 80% of your home's value. Here is how it works in Phoenix and Scottsdale. Pillar Mortgage Group, NMLS #2700076
Want to lower your mortgage payment in Arizona? With refinance APRs near 6.51% in July 2026, five strategies can cut your monthly cost: rate-and-term refi, MIP removal, streamline refis, term extension, and debt consolidation. 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).