Escrow pays your mortgage off from the sale proceeds at closing. Here is what the payoff statement includes, why it exceeds your balance, the liens escrow finds, and when your impounds come back. Pillar Mortgage Group, NMLS #2700076
Replace the water heater before listing only if it leaks, is out of warranty and corroded, or sits where a failure floods finished space. Age alone is not a reason. Here is the math. Pillar Mortgage Group, NMLS #2700076
You can sell a house with a reverse mortgage any time, without the lender's permission. How the payoff works in escrow, the timeline that catches sellers out, and what you keep. Pillar Mortgage Group, NMLS #2700076
Local knowledge is a skill, not a zip code. The four things it actually buys you, four questions that test for it in fifteen minutes, and when the producer from across town still wins. Pillar Mortgage Group, NMLS #2700076
A working unit with a service record usually sells fine. Replace it when it is dead, unrepairable, or a lender condition. How the credit math beats the new condenser. Pillar Mortgage Group, NMLS #2700076
No standard rate exists and none is set by law. How the listing side and the buyer side became two separate negotiations, what the data shows, and what to push on. 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).