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All Home Loans Articles - Page 4

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How Soon Can You Refinance a Mortgage?

Homeowners may need to wait up to 12 months before refinancing a government-backed mortgage or cash-out refinance. Some refinances are available right away for homeowners who can benefit from its terms.

FHA High-Balance ‘Jumbo’ Loans

Technically, FHA Jumbo Loans don’t exist, but some buyers can still finance high-value homes with FHA loans. For buyers living in cities where home prices have skyrocketed, FHA high-balance loans can serve the purpose of an FHA Jumbo loan.

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USDA Streamline Refinance Options: What to Know in 2025

The USDA Streamlined Refinance and Streamline-Assist programs require minimal documentation and no home appraisal. The streamlined-assist option doesn’t require a credit check but USDA borrowers must reduce their monthly payments by at least $50.

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