Refinance with disability income in Arizona: how lenders count SSDI, VA disability, and private long term benefits, the 3 year rule, and the 25% gross up on tax free income. Pillar Mortgage Group.
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.
The VA funding fee is 0.5% on an IRRRL and 2.15% to 3.3% on a VA cash out refinance, and veterans receiving VA disability compensation pay nothing at all. Here is how it works in Arizona. Pillar Mortgage Group.
Most Arizona refinances need about 12 documents: 30 days of pay stubs, two years of W2s and returns, two months of bank statements, ID, insurance, and your current mortgage statement. Full checklist inside. Pillar Mortgage Group, NMLS #2700076
You can refinance an Arizona home with a lien or judgment, but it has to be paid, subordinated, or released before closing. Here is what shows up on title, what it costs, and how to fix it in 2026. Pillar Mortgage Group, NMLS #2700076
Adding someone to your mortgage in Arizona takes a refinance, not a phone call to your servicer. Here is how adding a spouse or co-borrower works in 2026, what it costs, and when it backfires. 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).