Loan types
The VA IRRRL 210-day seasoning rule requires 210 days plus 6 consecutive payments. See how to count, what resets the clock, and when you qualify in 2026.
The VA IRRRL 210-day seasoning rule requires 210 days plus 6 consecutive payments. See how to count, what resets the clock, and when you qualify in 2026.
FHA UFMIP refund chart for 2026 streamline refinances: month-by-month percentages, 7-month minimum, 36-month cliff, and how to time your refi for max credit.
FHA-to-conventional refi math for 2026: when dropping MIP beats today's 6.2–6.7% conventional rates, the 80% equity gate, and the break-even formula.
Self-employed refinance in 2026: how lenders calculate income via Form 1084, when bank statement loans make sense, DTI traps, and the non-QM rate premium.
Calculate your 2026 refinance break-even point with worked examples across conventional, FHA, VA, and no-closing-cost loans in a 6.5–6.7% rate market.
Should you buy mortgage discount points in 2026? Break-even math, falling-rate risk, tax rules, and smarter alternatives — a plainspoken decision framework.
We’re an independent education site. We don’t originate loans, and no lender pays for placement in our guides.
Every guide shows when it was published, when it was last updated, and where the numbers come from. Our editorial standards →
Numbers come from Freddie Mac, Fannie Mae, the CFPB, HUD, and the VA — cited at the end of every article. Sourcing policy →
Plain-English explainers with the math shown. How we make money, in one paragraph: advertising disclosure →