Loan types
See exactly how VA IRRRL recoupment is calculated in 2026: which closing costs count, which are excluded, the formula, and four worked examples.
See exactly how VA IRRRL recoupment is calculated in 2026: which closing costs count, which are excluded, the formula, and four worked examples.
HELOC subordination agreement explained: why refinance lenders require it, typical $200-$500 cost, 2-6 week timeline, top denial reasons, plus 2026 workarounds.
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.
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