Cash-Out
Cash-Out Refinance to Fund a 1031 Exchange Replacement Property (2026 Rules)
Cash-out refinance to fund a 1031 exchange replacement property in 2026: how investors raise capital without triggering boot and defend a post-exchange refi.
All guides
Closing Costs
Home Equity Loan Second Lien Recording Fees and Mortgage Recording Taxes by State (2026 Guide)
Second lien recording fees and mortgage recording taxes by state in 2026. See what a HELOC or home equity loan really costs to record, from $40 to thousands.
HELOC
Home Equity Loan Interest-Only Payment Options in 2026: Rules, Risks & Who Offers Them
Interest-only home equity loan and HELOC rules for 2026: payment structure, Regulation Z disclosures, payment-shock math, DTI treatment, and who qualifies.
VA & IRRRL
VA IRRRL Second Lien Subordination and Resubordination Process (2026)
Refinancing your VA loan with a HELOC or home equity second? See how VA IRRRL subordination works in 2026: process, timeline, fees and denial fallbacks.
VA & IRRRL
VA IRRRL Escrow Reserves and Initial Deposit Rules (2026)
VA IRRRL escrow reserves explained for 2026: why the VA requires none, what RESPA's 2-month cushion cap allows, and how the initial deposit is calculated.
Home Equity
Home Equity Loan Non-Occupant Co-Borrower Rules 2026: Using a Parent, Sibling, or Adult Child to Qualify
Can a parent or sibling co-borrow your home equity loan? 2026 rules on credit, DTI, title, and the risks lenders never mention upfront.
VA & IRRRL
VA IRRRL Escrow Account Transfer Between Lenders in 2026
Switching lenders on a VA IRRRL? See how RESPA governs your old escrow refund, what the new lender collects at closing, and how to dodge double-paid taxes.
Reverse Mortgage
Reverse Mortgage LESA Requirements 2026: Life Expectancy Set-Aside Explained
Learn when a 2026 HECM borrower must fund a LESA, how the set-aside is calculated, fully vs partially funded rules, and when extenuating circumstances apply.
Home Equity
Home Equity Loan CLTV Limits in 2026 by Occupancy Type: Primary, Second Home, and Investment Property
Compare 2026 home equity loan CLTV caps across primary residences, second homes, and investment properties, plus credit, reserve, and rate requirements.
Reverse Mortgage
HECM for Purchase Down Payment: Sourcing Rules and Seasoning Requirements (2026)
HECM for Purchase down payment rules in 2026: acceptable sources, the 6% IPC cap after FHA's April 2024 change, and 12-month seasoning explained.
Refinancing
MCC Reissuance After a Rate-and-Term Refinance: 2026 Rules, Deadlines & IRS Conditions
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 Refinance
FHA Streamline Refinance on an Investment Property: The Owner-Occupancy Exception in 2026
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.