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.
then click Calculate to see EPO and eligibility dates.