Loan types
Home equity loan appraisal in 2026: full URAR vs. drive-by, desktop, and hybrid — what triggers each, cost, turn-time, and how UAD 3.6 affects you.
HUD permits a home equity loan behind a HECM reverse mortgage, but lenders rarely originate one. See the 2026 subordination rules and real alternatives.
Most home equity loans don't carry escrow. Three situations force one: a first-lien HPML, an SFHA flood zone, or a California second lien above 80% CLTV.
Buying from family with a gift of equity? See how a same-closing HELOAN piggyback and a later cash-out refi work in 2026 — and where seasoning rules block it.
Cash-out refinance to fund a self-directed IRA property purchase almost always triggers an IRC §4975 prohibited transaction. See compliant paths for 2026.
Home equity loan payoff statement good-through date rules for 2026 refinances: the 7-day federal rule, per diem interest, HELOC freezes, and expired-quote fixes.
HELOC on a shared well or private-road property? See 2026 lender documentation rules, easement and PRMA standards, state carve-outs, and how to cure defects.
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.
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.
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.
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.
A sibling buyout of an inherited house looks like a cash-out refinance. It isn't.