Loan types
MCC reissuance rules for 2026: preserve your federal mortgage tax credit after a rate-and-term refinance, meet the 1-year deadline, and avoid cash-out traps.
FHA lets you streamline a converted-rental FHA loan in 2026 — but only under strict rules on occupancy, seasoning, principal-balance cap, and NTB. Here's how.
FHA streamline refinance owner occupancy rules for 2026: how primary, HUD-approved secondary, and non-owner classes work and what docs your lender needs.
Conventional cash-out lenders waive the six-month title-seasoning requirement for inherited property. Here is how the 2026 title, lien and occupancy rules work across conventional, FHA and VA financing.
Understand FHA cash-out refinance rules for 2026, including 12-month ownership and occupancy, mortgage payment history, exceptions and Streamline differences.
Compare Limited and Standard FHA 203(k) refinancing in 2026, including the $75,000 cap, loan limits, MIP, eligibility, draws and costs.
How long you must wait to refinance after a loan modification in 2026 — FHA, VA, USDA, and conventional rules, payment history traps, and the Flex Mod balloon.
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.
Refinance a Native American Direct Loan (NADL) in 2026: eligibility on tribal trust land, the 1% rate-reduction rule, tribal MOUs, and NADL vs VA IRRRL.
The USDA Streamlined-Assist refinance requires a $50+ monthly payment reduction. Here's what counts toward the test and the full 2026 eligibility rulebook.
HUD's 5× benefit rule decides if you can refinance your reverse mortgage in 2026. See the math, seasoning windows, MIP credit, and when it's worth it.