Chapter 13
Refinance During Active Chapter 13 in 2026: FHA, VA & USDA Rate-and-Term Guide
Refinance mid-Chapter 13 in 2026 with FHA, VA, or USDA loans. See the 12-month rule, trustee approval, Motion to Incur Debt timeline, and 2026 costs.
Featured guide
Refinance During Active Chapter 13 in 2026: FHA, VA & USDA Rate-and-Term Guide
Refinance mid-Chapter 13 in 2026 with FHA, VA, or USDA loans. See the 12-month rule, trustee approval, Motion to Incur Debt timeline, and 2026 costs.
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Bankruptcy & Credit Recovery
HELOC After Chapter 7 Bankruptcy: 2026 Waiting Period Rules
HELOC after Chapter 7 discharge in 2026: how long you wait, what Fannie Mae and portfolio lenders require, and how equity and credit rebuild affect approval.
Home Equity
Home Equity Loan as Bridge Financing: Buy Before You Sell in 2026
Using a home equity loan to buy your next home before selling? See 2026 qualification math, tax rules under TCJA/OBBBA, and how it compares to bridge loans.
FHA Loss Mitigation
FHA Streamline Refinance With a HUD Partial Claim Second Lien (2026)
HUD will subordinate its partial claim second lien behind a new FHA streamline mortgage if you take no cash back. Steps, timing, fees, and the 2026 RAP update.
VA & IRRRL
VA IRRRL After Chapter 13 Bankruptcy: Seasoning, Trustee Approval, and 2026 Lender Rules
VA IRRRL after Chapter 13 bankruptcy discharge in 2026: seasoning rules, trustee/court approval, the 210-day rule, 12-month plan payments, and overlays.
Home Equity
Home Equity Loan on a Manufactured Home: Permanent Foundation Certification in 2026
How permanent foundation certification (HUD 7584) and real-property conversion decide whether you can get a home equity loan on your manufactured home in 2026.
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