High LTV Refinance Options When You Have Little Equity
Fannie Mae's HIRO program is paused, but a high LTV refinance is still possible. Here are the LTV limits and options for each loan type when your home…
Category
Refinance
A refinance replaces your mortgage with a new loan, to lower your rate, change your term or take cash out. These guides cover each option, the costs and when a refinance pays off. Start with Is refinancing worth it?
FHA Streamline Refinance Closing Costs: How to Pay Less Out of Pocket
An FHA Streamline Refinance replaces a current FHA loan with a new FHA loan, which may lower your interest rate or monthly payment, with less paperwork than a…
6 Ways Seniors Can Tap Home Equity To Supplement Income
Seniors can tap home equity for retirement income in six main ways: a cash-out refinance, a home equity line of credit (HELOC), a charitable gift annuity funded by…
Is Refinancing Worth It in 2026? How to Decide at Today’s Rates
Freddie Mac put the 30-year fixed at 7.32% on October 22, 2026. Refinancing can help when the savings or another benefit justify the costs. Here is how to…
Mortgage Relief Programs in 2026
Mortgage relief for homeowners looks very different than it did in 2021. The special refinance programs for borrowers with little equity are paused, and the pandemic aid funds…
Cash-out Refinance | Pros & Cons 2026
A cash out refinance can put money in your pocket or pay off big debts. Here are some guidelines and things to think about before opening a cash…
FHA MIP Refund Chart & Guide | 2026 Mortgage Insurance Premiums
Home buyers pay an upfront mortgage insurance premium when they close on an FHA loan. The FHA MIP refund chart shows how much of that fee they may…
FHA Cash-out Refinance 2026 | Tap Into Your Home Equity
Editor’s note: Starting September 1, 2019, HUD, the administrator of FHA loans, reduced the maximum FHA cash-out refinance loan-to-value to 80%, down from 85%. What is an FHA…
Conventional Refinance | Rates, 2026 Loan Limits & Guidelines
A conventional refinance is one of the most versatile loans in today’s market. Conventional refinances can convert any type of mortgage loan into a conventional loan. Simultaneously, a…
FHA Streamline Refinance Rates & Guidelines 2026
The FHA streamline refinance program helps current FHA homeowners lower their interest rate and monthly payment. It’s a quick and cost-effective way to refinance with lenient documentation requirements…