Loan types
Home equity loan payoff statement good-through date rules for 2026 refinances: the 7-day federal rule, per diem interest, HELOC freezes, and expired-quote fixes.
The 3-day right of rescission lets you cancel a home equity loan, HELOC, or refinance after closing. See when the clock starts, how to cancel, and 2026 rules.
Interest-only home equity loan and HELOC rules for 2026: payment structure, Regulation Z disclosures, payment-shock math, DTI treatment, and who qualifies.
HELOC ongoing fees in 2026: annual, inactivity, per-draw, minimum-draw, and early-closure charges by lender, plus how to spot and avoid each one.
Federal law caps home equity loan prepayment penalties at 3 years. Some states ban them entirely. Texas prohibits them constitutionally. Full 2026 breakdown.