Loan types
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.
Yes, you can cash-out refinance a home you bought with cash before the standard six-month waiting period ends. Here's how the exception works.
How much can you actually borrow when a HELOC stacks on your first mortgage? 2026 CLTV vs HCLTV rules, lender ceilings from 80% to 95%, and second-HELOC limits.
Pair a 2026 rate-and-term refinance with a new HELOC piggyback to tap home equity without cash-out pricing. CLTV caps, GSE rules, and worked math inside.
Yes, you can use a different lender for a VA IRRRL. See 2026 rules, what transfers, lender overlays, and how shopping cuts your streamline refinance cost.
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.
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.