Evergreen Guides
Self-Employed Refinance Qualification 2026: Full-Doc vs. Bank Statement Loans
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.
All guides
Refinance basics
Refinance Break-Even Point 2026: How to Calculate When a Refi Actually Pays Off
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.
Basics
Are Mortgage Discount Points Worth It in 2026? Break-Even Math When Rates Are Falling
Should you buy mortgage discount points in 2026? Break-even math, falling-rate risk, tax rules, and smarter alternatives — a plainspoken decision framework.
Cash-Out
Conventional Cash-Out Refinance in 2026: LTV Limits, Rates & When It Beats a HELOC
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.
Rate & Term
Conventional Rate-and-Term Refinance in 2026: Rules, Rates, and When It’s Actually Worth It
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
VA IRRRL Funding Fee in 2026: The 0.5% Charge, Exemptions, Financing Math, and Refunds
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.
Cash-Out
FHA Cash-Out Refinance in 2026: Rules, LTV Limits, and True Cost of MIP
FHA cash-out refinance rules for 2026: 80% LTV limit, 580 credit minimum, MIP costs explained, and when it beats a conventional cash-out refi.
Cash-Out
VA Cash-Out Refinance in 2026: Rules, Rates, and When It’s Worth It
VA cash-out refinance in 2026 lets veterans access up to 100% LTV — but it replaces your first mortgage rate. Here's what it costs and when it's worth it.
Basics
Refinance Qualification Requirements in 2026: Credit Score, DTI, and LTV Explained
Learn the credit score, DTI, and LTV thresholds lenders use to approve refinances in 2026. See requirements by loan type and find out where you stand.
VA & IRRRL
VA Loan Eligibility Requirements 2026: Complete Guide for Veterans, Guard & Surviving Spouses
Find out if you qualify for a VA loan in 2026. Complete guide covering service thresholds, Guard/Reserve rules, COE process, funding fees, and financial requirements.
Basics
Should I Refinance My Mortgage in 2026?
Should I Refinance My Mortgage in 2026? The Complete Guide Your neighbor just refinanced. They’re bragging about the hundreds they’ll save each month. You check your rate. It’s a full point higher than what they got. So you start wondering: Should I refinance my mortgage in 2026? The answer isn’t the same for everyone. But […]
Basics
2026 Mortgage Rate Predictions: What the Fed’s Next Move Means for Homeowners
Everyone wants to know where mortgage rates are headed in 2026. After the wild ride from sub-3% lows to 7%+ peaks, borrowers are exhausted—and anxious. Will we finally see relief below 6%? Or is now actually the time to lock? Here’s the honest answer: 2026 looks promising, but timing still matters. Let’s walk through what […]