About Bryan Dornan

Bryan Dornan is a marketing leader and financial journalist who currently serves as Chief Editor of RefiGuide.org. Bryan has founded several mortgage and digital marketing companies and has worked as a loan officer and mortgage broker in the industry for nearly 30 years and has a wealth of experience in providing mortgage clients with the highest level of service in the industry. Bryan's continual focus is to educate homeowners how to leverage home equity while also promoting affordable home-ownership to consumers like you across the United States. He also writes for RealtyTimes, Patch, Buzzfeed, Medium and other national publications. Find him on Twitter, Muckrack, and Linkedin

Cash Out Refinance to Pay Off Debt in 2026?

cash out to pay debt

As mortgage lending professionals, we regularly counsel homeowners facing a common financial dilemma: mounting high-interest credit card debt coupled with substantial home equity. The question inevitably arises—should I use a cash-out refinance to eliminate expensive revolving debt? In 2026’s financial landscape, this decision requires careful analysis of interest rate differentials, long-term costs, behavioral considerations, and… Read More »

How to Get Equity Out of Your Home Without Refinancing

home equity no refi

Last year, tens of thousands of American homeowners successfully accessed their home equity without refinancing their existing mortgages. This article provides insightful advice on how to get money by tapping home equity without disturbing your existing mortgage.  The RefiGuide provides expert insights on strategic methods to tap home equity while preserving favorable mortgage terms—a particularly… Read More »

Most and Least Affordable Places to Buy a Home

fannie mae loan

Published on January 20th, 2026 by Refiguide.org. Reviewed by Peter G. Miller The American housing market in 2026 continues to present significant affordability challenges for prospective homebuyers, though some markets offer substantially more opportunity than others. Our comprehensive analysis of housing markets across the United States reveals dramatic disparities in affordability between regions, with the… Read More »

Refinancing a Rental Property Guide

refinance rentals

Refinancing investment properties presents unique challenges and opportunities that distinguish these transactions from primary residence refinancing. As mortgage lending professionals specializing in non-owner occupied property financing, we’ve guided thousands of real estate investors through successful rental property refinances. Understanding the stricter qualification requirements, strategic timing considerations, and financial optimization techniques specific to investment properties enables… Read More »

How Many Times Can You Use a VA Home Loan?

va-loan

One of the most common questions veterans and active-duty service members ask mortgage lenders is whether they can use their VA loan benefit more than once. The answer is definitively yes—and understanding exactly how this lifetime benefit works can save you thousands of dollars across multiple home purchases throughout your military career and beyond. As… Read More »

Can You Deduct Interest on a Second Home Mortgage?

tax deduction on 2nd-home interest

Second home ownership represents a significant financial milestone for many American families, whether the property serves as a vacation retreat, future retirement residence, or rental investment. Understanding the tax implications of second home mortgages, particularly mortgage interest deductibility in 2026 can generate substantial annual tax savings while ensuring full compliance with Internal Revenue Service regulations.… Read More »

What Disqualifies You from an FHA Loan in 2026?

no cost lenders

FHA loans are still backed by the U.S. Department of Housing and Urban Development allow for lower down payments (as little as 3.5%), flexible credit requirements, and higher debt-to-income (DTI) ratios compared to conventional loans. With median home prices stabilizing at around $420,000 and 30-year FHA mortgage rates averaging 5.8-6.5% in early 2026, these loans… Read More »

Why 3/1 and 5/1 ARM Mortgage Loans Are Competitive

5/1 arm mortgage

America has been moving into a longer term higher interest rate environment. You may have noticed a lot of advertisements for hybrid loans like the 3/1 and 5/1 ARM mortgage. Just a few years ago, we saw mortgage rates fall below 4% and stay there, with rates dipping to the 3.125% range for a fixed… Read More »

Bad Credit Second Mortgage Advice

low-credit 2nd mortgage

Homeowners facing financial challenges often wonder whether poor credit will prevent them from accessing their home’s equity through a second mortgage. While poor credit certainly makes the process more difficult, it doesn’t necessarily make it impossible. Understanding the requirements, alternatives, and potential costs associated with taking out a second mortgage with bad credit can help… Read More »

Best HELOC Rates Guide

best heloc-rates

Getting a home equity line of credit or HELOC continue to be a popular move going into 2026. The RefiGuide offers a high-tech platform for consumers to shop lenders for the best HELOC rates today from competitive banks and lenders online. In 2026, home equity line of credit rates are still very reasonable, and property… Read More »