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Rate-and-Term Refinance After a Loan Modification: 2026 Seasoning Rules by Program (FHA, VA, USDA, Conventional)

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.

Jul 27, 2026 · 8 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

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Disclosure: Mortgage Refinancing Blog is an independent publisher. Content on this site is general education, not personalized financial, legal, or tax advice. If we introduce advertising in future, compensation will never influence our editorial conclusions. Confirm all loan terms with a licensed loan officer.

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