Refinance With Collections or Medical Debt in Arizona 2026: Must You Pay?

Published on: 10/27/2026

Refinance with collections or medical debt in Arizona: when you must pay, when you can leave them open, how FHA and conventional differ, and what it does to your debt ratio. Pillar Mortgage Group.

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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