Refinance With Late Mortgage Payments in Arizona 2026: How Long You Actually Have to Wait

Published on: 09/23/2026

Can you refinance with a late mortgage payment in Arizona? Conventional usually wants 12 clean months, an FHA streamline allows one 30 day late, and a VA IRRRL needs extra review. Here is the real wait. Pillar Mortgage Group.

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Refinance After a Loan Modification in Arizona 2026: Waiting Periods and Partial Claims

Published on: 09/15/2026

You can refinance after a loan modification in Arizona, but expect 12 months of on time payments first, and an FHA partial claim second lien that has to be paid off or resubordinated. Pillar Mortgage Group, NMLS #2700076

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Arizona Mortgage and Home Selling Guides

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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