Loan types
VA IRRRL after Chapter 13 bankruptcy discharge in 2026: seasoning rules, trustee/court approval, the 210-day rule, 12-month plan payments, and overlays.
Refinance a land contract before the balloon comes due in 2026. Understand the Fannie Mae 12-month rule, FHA and VA options, LTV limits, docs, and pitfalls.
Refinancing a rental held in an LLC in 2026? Compare conventional deed-out and DSCR paths, seasoning credit, deed choice, and due-on-sale risk.
HECM for Purchase down payment rules in 2026: acceptable sources, the 6% IPC cap after FHA's April 2024 change, and 12-month seasoning explained.
Conventional cash-out lenders waive the six-month title-seasoning requirement for inherited property. Here is how the 2026 title, lien and occupancy rules work across conventional, FHA and VA financing.
Understand FHA cash-out refinance rules for 2026, including 12-month ownership and occupancy, mortgage payment history, exceptions and Streamline differences.
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.
The delayed financing six-month rule gives cash buyers one window to refinance. Learn how the clock starts, how to measure it, and what to do if you miss.
Yes, you can cash-out refinance a home you bought with cash before the standard six-month waiting period ends. Here's how the exception works.
The VA IRRRL 210-day seasoning rule requires 210 days plus 6 consecutive payments. See how to count, what resets the clock, and when you qualify in 2026.
What “Seasoning” Means and When It Makes Sense Seasoning refers to the required waiting period between purchasing a home (or obtaining a mortgage) and refinancing that mortgage. Lenders and loan programs set seasoning requirements to reduce fraud, protect investors, and ensure borrowers establish payment history. Seasoning commonly matters most for cash‑out refinances, certain government programs, […]
Seasoning Requirements for Cash-Out Refinance: What Homeowners Need to Know When homeowners want to tap the equity in their property through a cash-out refinance, one of the first obstacles they may encounter is a “seasoning” requirement. Seasoning rules determine how long you must own or have had an existing mortgage on the property before a […]