VA & IRRRL
VA IRRRL Temporary Buydown Rules 2026: 2-1, 3-2-1, and 1-0 Structures Explained
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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VA IRRRL Temporary Buydown Rules 2026: 2-1, 3-2-1, and 1-0 Structures Explained
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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Rate & Term
Rate-and-Term Refinance to Remove a Life Estate or Remainder Interest (2026 Guide)
Refinance a home held in a life estate deed in 2026. Signature rules, remainderman buyouts, and when Fannie Mae keeps the loan rate-and-term, not cash-out.
VA & IRRRL
VA IRRRL Power of Attorney Rules for Deployed Veterans (2026)
Deployed and need to close a VA IRRRL? Learn how a specific POA, alive-and-well certification, and OCONUS notarization make a legal 2026 signing possible.
Rate & Term
Refinance From a 30-Year to a 20-Year Mortgage in 2026: The Sweet-Spot Decision Framework
Should you refinance a 30-year mortgage into a 20-year in 2026? Payment math, rate spread, breakeven logic, and when 15-year or extra principal wins.
Cash-Out
Sibling Buyout Refinance: Using the Fannie Mae Co-Owner Exception in 2026
A sibling buyout of an inherited house looks like a cash-out refinance. It isn't.
FHA Refinance
FHA Streamline Refinance With a Non-Borrowing Spouse in a Community Property State (2026 Guide)
How FHA streamline refinance rules treat non-borrowing spouses in community property states in 2026: DTI, signatures, HUD 4000.1, and state exceptions.
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