Loan types
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.
The VA IRRRL 210-day seasoning rule requires 210 days plus 6 consecutive payments. See how to count, what resets the clock, and when you qualify in 2026.
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.
Calculate your 2026 refinance break-even point with worked examples across conventional, FHA, VA, and no-closing-cost loans in a 6.5–6.7% rate market.
Should you buy mortgage discount points in 2026? Break-even math, falling-rate risk, tax rules, and smarter alternatives — a plainspoken decision framework.
Conventional cash-out refinance in 2026: 80% LTV cap, seasoning rules, why cash-out rates run higher, and when a cash-out refi beats a HELOC for your equity.
2026 conventional rate-and-term refinance guide: Fannie/Freddie rules, $832,750 limit, current rates, break-even math, and when it actually pays off.
VA IRRRL funding fee is a flat 0.5% in 2026. See who's exempt, whether to finance it, recoupment math, and how to claim a refund after a disability rating.