Reverse Mortgage
HECM for Purchase Down Payment: Sourcing Rules and Seasoning Requirements (2026)
HECM for Purchase down payment rules in 2026: acceptable sources, the 6% IPC cap after FHA's April 2024 change, and 12-month seasoning explained.
Featured guide
HECM for Purchase Down Payment: Sourcing Rules and Seasoning Requirements (2026)
HECM for Purchase down payment rules in 2026: acceptable sources, the 6% IPC cap after FHA's April 2024 change, and 12-month seasoning explained.
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Refinancing
MCC Reissuance After a Rate-and-Term Refinance: 2026 Rules, Deadlines & IRS Conditions
MCC reissuance rules for 2026: preserve your federal mortgage tax credit after a rate-and-term refinance, meet the 1-year deadline, and avoid cash-out traps.
FHA Refinance
FHA Streamline Refinance on an Investment Property: The Owner-Occupancy Exception in 2026
FHA lets you streamline a converted-rental FHA loan in 2026 — but only under strict rules on occupancy, seasoning, principal-balance cap, and NTB. Here's how.
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.
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.
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