Quazel Mortgage — Navigation
🎖️ Veteran-Owned Business
🏠 Family-Owned & Operated
🔒 Licensed in UT · ID · FL · CO  |  NMLS #2133626
Loan Officer Tool

EPO & Refi Eligibility

Check early payoff recapture dates and the earliest refinance eligibility window — by loan type, with the exact rule that applies.

📋

Designed for mortgage professionals. EPO protection uses 185-day standard. Refi eligibility rules vary by loan type — always verify with your specific investor guidelines.

← All Calculators

Loan Details

Enter closing date to auto-fill first payment

Conventional
6-mo seasoning
FHA Streamline
210d + 6 pmts
VA IRRRL
210d from 1st pmt
USDA
12-mo seasoning
Usually the 1st of the month, two months after closing
🔍
Enter a loan type and closing date,
then click Calculate to see EPO and eligibility dates.