Home Equity
Home Equity Loan as Bridge Financing: Buy Before You Sell in 2026
Using a home equity loan to buy your next home before selling? See 2026 qualification math, tax rules under TCJA/OBBBA, and how it compares to bridge loans.
All guides
FHA Loss Mitigation
FHA Streamline Refinance With a HUD Partial Claim Second Lien (2026)
HUD will subordinate its partial claim second lien behind a new FHA streamline mortgage if you take no cash back. Steps, timing, fees, and the 2026 RAP update.
VA & IRRRL
VA IRRRL After Chapter 13 Bankruptcy: Seasoning, Trustee Approval, and 2026 Lender Rules
VA IRRRL after Chapter 13 bankruptcy discharge in 2026: seasoning rules, trustee/court approval, the 210-day rule, 12-month plan payments, and overlays.
Home Equity
Home Equity Loan on a Manufactured Home: Permanent Foundation Certification in 2026
How permanent foundation certification (HUD 7584) and real-property conversion decide whether you can get a home equity loan on your manufactured home in 2026.
VA & IRRRL
VA IRRRL ARM to Fixed Rate: 2026 Net Tangible Benefit Rules
VA IRRRL rules let veterans convert a VA ARM to a fixed rate — even at a higher rate — because payment stability satisfies the 2026 net tangible benefit test.
Home Equity
Home Equity Loan on a Co-op Apartment: Share Loan Requirements, Lenders, and Board Rules (2026)
Co-op share loans work differently from house HELOANs. 2026 lender list, recognition agreements, board caps, LTV limits, Fannie Mae rules, and timing.
Home Equity
Home Equity Loan on a Manufactured Home on Leased Land: What Actually Works in 2026
Traditional HELs and HELOCs almost never work on a manufactured home on leased land. See the FHA Title I, Credit Human and 21st Mortgage paths that do work.
Cash-Out
Cash-Out Refinance to Pay Off a Reverse Mortgage (HECM) in 2026
Use a cash-out refinance to pay off a HECM reverse mortgage in 2026: 95% non-recourse cap, dual-lien release, DTI hurdles, and smarter exit paths.
Home Equity
Home Equity Loan on a Leasehold Property (2026): Ground Lease Rules, Remaining-Term Thresholds & Lender Availability
Home equity loan on a leasehold property in 2026: Fannie/Freddie/FHA remaining-term rules, ground-lease overlays, and lenders in Hawaii, Baltimore & CLT markets.
Cash-Out
Cash-Out Refinance to Build an ADU in 2026: What Works, What Doesn’t
On a full cash-out refi to build an ADU in 2026, you can't use future ADU rent to qualify. See how Fannie/Freddie rules and appraisal timing decide your path.
HELOC
HELOC Lifetime Interest Rate Cap Requirements Under HOEPA (2026 Guide)
Federal law requires every HELOC to disclose a lifetime maximum APR. See what HOEPA and Reg Z require, how caps are set, and what to verify in 2026.
Rate & Term
Refinance a Family Member’s Private Mortgage: 2026 Rate-and-Term Guide
How to refinance a private mortgage from a parent or relative using a conventional rate-and-term refi in 2026 without cash-out pricing or gift-tax exposure.