Loan types
Learn how an eligible non-borrowing spouse can stay in the home under a HECM: 2026 deferral rules, ML 2021-11 protections, obligations, and MOE pathway.
Learn how an eligible non-borrowing spouse can stay in the home under a HECM: 2026 deferral rules, ML 2021-11 protections, obligations, and MOE pathway.
Home equity loan appraisal in 2026: full URAR vs. drive-by, desktop, and hybrid — what triggers each, cost, turn-time, and how UAD 3.6 affects you.
HUD permits a home equity loan behind a HECM reverse mortgage, but lenders rarely originate one. See the 2026 subordination rules and real alternatives.
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.
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