Sources & References

Primary sources behind every claim on RefinanceUSA — federal agencies, market data, and state regulations

Last reviewed: June 2026. Sources are reviewed and updated when agencies publish new guidance or data.

How We Use Sources

Every factual claim on RefinanceUSA — closing cost ranges, LTV thresholds, PMI cancellation rules, loan limits, and state-specific mortgage rules — is sourced to a published, verifiable primary source. We cite the original agency or statute, not third-party summaries, wherever possible.

We do not accept sponsored content, affiliate placement, or payment for citation. Our sources are chosen for accuracy and authority, not commercial relationship. See our Editorial Policy for full details on how content is created and maintained.

Federal Regulatory Sources

Agency / SourceWhat We Cite It For
Consumer Financial Protection Bureau (CFPB)
consumerfinance.gov/owning-a-home
Loan types and definitions, RESPA/TRID closing cost rules, Loan Estimate and Closing Disclosure requirements, PMI cancellation rules (Homeowners Protection Act), borrower rights, and homeowner FAQs.
Federal Housing Finance Agency (FHFA)
fhfa.gov — Conforming Loan Limits
Annual conforming loan limits and high-balance county limits used in LTV and eligibility discussions.
Freddie Mac
freddiemac.com/pmms  |  freddiemac.com/research
Primary Mortgage Market Survey (PMMS) weekly rate data for historical rate context; refinance research and break-even analysis guidance; Selling Guide LTV requirements.
Fannie Mae
fanniemae.com — Refinance Mortgages
Conventional refinance LTV limits, cash-out LTV requirements, and Selling Guide eligibility rules.
HUD / Federal Housing Administration (FHA)
hud.gov — Single Family Housing
FHA Streamline Refinance requirements, FHA cash-out LTV limits (80%), MIP rates, and FHA refinance eligibility rules from HUD Handbook 4000.1.
U.S. Department of Veterans Affairs (VA)
benefits.va.gov/homeloans/refinancing
VA IRRRL (Interest Rate Reduction Refinance Loan) requirements, VA cash-out LTV (90%), VA funding fee tables, and entitlement rules.
IRS Publication 936
irs.gov/publications/p936
Home mortgage interest deduction rules, mortgage points deductibility, and cash-out refinance tax treatment for the portion used on home improvement.
USDA Rural Development
rd.usda.gov
USDA Streamlined Refinance eligibility and rural area definition references in relevant blog content.

Market Data Sources

SourceData Used
Freddie Mac PMMS
freddiemac.com/pmms
Weekly 30-year and 15-year fixed rate benchmarks cited for historical context in blog content and state guides
Mortgage Bankers Association (MBA)
mba.org
Refinance application volume trends, market share data, and average origination cost research
American Land Title Association (ALTA)
alta.org/research
Title insurance premium averages by state, used in refinance cost calculator defaults
CoreLogic / ATTOM State-level home price appreciation data and average property values referenced in state guides

State-Specific Regulatory Sources

Each state guide on RefinanceUSA cites at least five universal federal sources and adds state-specific citations for mortgage recording taxes, attorney-closing requirements, cash-out restrictions, and homestead laws. The primary state sources we use include:

Recording Taxes and Transfer Taxes

  • State revenue department or department of taxation websites (e.g., New York State Department of Taxation)
  • State legislature websites for the underlying statute
  • County recorder or clerk websites for county-level rates

Attorney Closing Requirements

  • State bar association guidance on unauthorized practice of law in real estate closings
  • State banking department regulations on settlement agents

Cash-Out and Homestead Restrictions

  • Texas: Texas Constitution, Article XVI, Section 50(a)(6) — Texas Home Equity Lending Rules
  • State statutes governing homestead exemption and mortgage lien priority

State-by-State Source Directories

Each state page lists its sources inline. Select your state to see its specific citations:

Calculator Methodology

For detailed documentation of the mathematical formulas, default assumptions, and data inputs used in each calculator, see our Calculator Methodology page.

Calculator formulas implement standard mortgage finance mathematics — the same amortization formula lenders use, with documented defaults derived from CFPB and GSE published data. No proprietary black-box models are used.

Reporting an Error

If you believe any content on RefinanceUSA contains an inaccurate claim, outdated figure, or missing citation, please contact us with:

  • The URL of the page containing the claim
  • The specific text you believe is inaccurate
  • A link to a primary source supporting the correction

We aim to review all reported errors within 5 business days. Verified corrections are published promptly. See our full Editorial Policy and Disclaimer.