Loan types
VA IRRRL 36-month recoupment rule: how the formula works, which fees count, which are excluded, and when a 2026 streamline refinance fails the statutory test.
VA IRRRL 36-month recoupment rule: how the formula works, which fees count, which are excluded, and when a 2026 streamline refinance fails the statutory test.
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.
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