Loan types
Most home equity loans don't carry escrow. Three situations force one: a first-lien HPML, an SFHA flood zone, or a California second lien above 80% CLTV.
Most home equity loans don't carry escrow. Three situations force one: a first-lien HPML, an SFHA flood zone, or a California second lien above 80% CLTV.
Buying from family with a gift of equity? See how a same-closing HELOAN piggyback and a later cash-out refi work in 2026 — and where seasoning rules block it.
Cash-out refinance to fund a self-directed IRA property purchase almost always triggers an IRC §4975 prohibited transaction. See compliant paths for 2026.
Home equity loan payoff statement good-through date rules for 2026 refinances: the 7-day federal rule, per diem interest, HELOC freezes, and expired-quote fixes.
HELOC on a shared well or private-road property? See 2026 lender documentation rules, easement and PRMA standards, state carve-outs, and how to cure defects.
VA IRRRL temporary buydown rules for 2026: whether 2-1, 3-2-1, and 1-0 structures are allowed, who funds the escrow, and how recoupment math works.
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