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.
escrow
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.
Basics
Refinance guide escrow waiver on refinance should you keep it
Escrow waiver on a refinance — should you keep it? When you refinance your mortgage, one decision you’ll likely face is whether to keep the lender-managed escrow account for property taxes and homeowners insurance, or to “waive” it and pay those bills yourself. This article explains what an escrow waiver is, when it makes sense, […]
Basics
Refinance guide escrow accounts and reserves when you refinance
Escrow Accounts and Reserves When You Refinance: What Homeowners Need to Know Refinancing a mortgage can lower your rate, change the loan term, or let you tap home equity. Two financial items lenders focus on during refinancing are escrow accounts (also called impound accounts) and cash reserves. They play different roles but both affect approval, […]