Home Equity
Home Equity Loan Behind a HECM Reverse Mortgage: 2026 Subordination Rules
HUD permits a home equity loan behind a HECM reverse mortgage, but lenders rarely originate one. See the 2026 subordination rules and real alternatives.
2026 rules
Refinance Strategies
Gift of Equity + Home Equity Loan Combo: Buy From Family, Layer a Piggyback, Then Refinance (2026 Rules)
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
Cash-Out Refinance to Pay Off an IRS Tax Lien (2026): Priority, Form 14134, and Lender Requirements
Cash-out refinance to pay off an IRS tax lien in 2026: federal lien priority, IRS Form 14134 subordination, closing payoff steps, FHA/VA/conventional rules.
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.
Refinancing
HECM-to-HECM Refinance 2026: The 5× Benefit Rule, MIP Credit, and When It’s Worth It
HUD's 5× benefit rule decides if you can refinance your reverse mortgage in 2026. See the math, seasoning windows, MIP credit, and when it's worth it.