FHA Refinance
When Refinancing From FHA to Conventional Actually Pays Off in 2026
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.
conventional
Rate & Term
Refinance guide refinance to remove FHA mortgage insurance
Refinance to Remove FHA Mortgage Insurance: What It Is and When It Makes Sense FHA loans require mortgage insurance premiums (MIP) to protect the lender — an upfront fee (UFMIP) paid at closing and an annual MIP collected monthly. Removing FHA mortgage insurance typically means refinancing the FHA loan into a conventional loan that doesn’t […]
Cash-Out
Refinance guide cash-out limits by occupancy and property type
Cash-Out Limits by Occupancy and Property Type — What Homeowners Need to Know When you do a cash-out refinance, you replace your existing mortgage with a new, larger loan and take the difference in cash. How much you can borrow depends heavily on two things: the property’s occupancy (primary residence, second home, investment property) and […]
Basics
Refinance guide non-QM refinance options for unique income
What non‑QM refinance for unique income is — and when it makes sense “Non‑QM” means non‑qualified mortgage: loan programs that don’t follow all of the Consumer Financial Protection Bureau’s QM underwriting rules. A non‑QM refinance is designed for homeowners whose income or financial profile doesn’t fit conventional underwriting — self‑employed borrowers, gig or contract workers, […]
FHA & Streamline
Refinance guide FHA to conventional refinance to drop MIP
What an FHA-to-Conventional Refinance Is — and When It Makes Sense An FHA-to-conventional refinance replaces your existing FHA-insured mortgage with a conventional (non-government) mortgage. Homeowners commonly pursue this strategy to eliminate FHA mortgage insurance premiums (MIP), which can be costly and, in many FHA loans originated after 2013, remain in place for the life of […]