HUD

Reverse Mortgage LESA Requirements 2026: Life Expectancy Set-Aside Explained

Learn when a 2026 HECM borrower must fund a LESA, how the set-aside is calculated, fully vs partially funded rules, and when extenuating circumstances apply.

Aug 2, 2026 · 9 min

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.

Jul 27, 2026 · 8 min

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.

Jul 11, 2026 · 8 min