FHA & Streamline
FHA Streamline Refinance Owner Occupancy Certification Rules (2026 Guide)
FHA streamline refinance owner occupancy rules for 2026: how primary, HUD-approved secondary, and non-owner classes work and what docs your lender needs.
Featured guide
FHA Streamline Refinance Owner Occupancy Certification Rules (2026 Guide)
FHA streamline refinance owner occupancy rules for 2026: how primary, HUD-approved secondary, and non-owner classes work and what docs your lender needs.
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Cash-Out
Cash-Out Refinance on Inherited Property in 2026: Title, Lien and Occupancy Rules
Conventional cash-out lenders waive the six-month title-seasoning requirement for inherited property. Here is how the 2026 title, lien and occupancy rules work across conventional, FHA and VA financing.
Cash-Out
FHA Cash-Out Refinance Seasoning in 2026: The 12-Month Rule Explained
Understand FHA cash-out refinance rules for 2026, including 12-month ownership and occupancy, mortgage payment history, exceptions and Streamline differences.
FHA Loans
FHA 203(k) Refinance in 2026: Limited vs Standard, Limits and Process
Compare Limited and Standard FHA 203(k) refinancing in 2026, including the $75,000 cap, loan limits, MIP, eligibility, draws and costs.
VA & IRRRL
VA IRRRL on a Manufactured Home in 2026: Term Limits, Seasoning and What Lenders Add On Top
Learn the 2026 VA IRRRL rules for manufactured homes, including seasoning, 36-month recoupment, the 0.5% funding fee, term limits and lender overlays.
Rate & Term
Rate-and-Term Refinance After a Loan Modification: 2026 Seasoning Rules by Program (FHA, VA, USDA, Conventional)
How long you must wait to refinance after a loan modification in 2026 — FHA, VA, USDA, and conventional rules, payment history traps, and the Flex Mod balloon.
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