Loan types
Federal law caps home equity loan prepayment penalties at 3 years. Some states ban them entirely. Texas prohibits them constitutionally. Full 2026 breakdown.
Federal law caps home equity loan prepayment penalties at 3 years. Some states ban them entirely. Texas prohibits them constitutionally. Full 2026 breakdown.
Who qualifies for a no-appraisal home equity loan in 2026, what lenders use instead of a full appraisal, and how the AVM QC Rule affects borrowers.
HELOC on investment property in 2026: qualification rules, CLTV caps, credit and reserve requirements, plus where to actually find a lender that will fund it.
FHA streamline resubordination rules for 2026: keep your HELOC or second mortgage behind the new FHA first, CLTV limits, and denial recovery steps.
How escrow holdbacks work on a cash-out refinance in 2026: funding rules, completion windows by loan type, cash-out frictions, and release steps.
Home equity loan on a rental in 2026: real credit, CLTV, DTI, and reserve thresholds, which lenders approve it, and the OBBBA tax change investors miss.
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