Chapter 13
Refinance During Active Chapter 13 in 2026: FHA, VA & USDA Rate-and-Term Guide
Refinance mid-Chapter 13 in 2026 with FHA, VA, or USDA loans. See the 12-month rule, trustee approval, Motion to Incur Debt timeline, and 2026 costs.
FHA refinance
Cash-Out
FHA Cash-Out Refinance Seasoning in 2026: The 12-Month Rule Explained
Understand FHA cash-out refinance rules for 2026, including 12-month ownership and occupancy, mortgage payment history, exceptions and Streamline differences.
FHA Loans
FHA 203(k) Refinance in 2026: Limited vs Standard, Limits and Process
Compare Limited and Standard FHA 203(k) refinancing in 2026, including the $75,000 cap, loan limits, MIP, eligibility, draws and costs.
Rate & Term
Rate-and-Term Refinance After a Loan Modification: 2026 Seasoning Rules by Program (FHA, VA, USDA, Conventional)
How long you must wait to refinance after a loan modification in 2026 — FHA, VA, USDA, and conventional rules, payment history traps, and the Flex Mod balloon.
FHA Loans
FHA 203(h) Disaster Victim Loans in 2026: What “Refinance” Really Means After Your Home Is Destroyed
FHA 203(h) in 2026 lets disaster victims finance a new or rebuilt primary home with 0% down. Learn eligibility, the 12-month deadline, and 203(k) pairing.