FHA Streamline

If you already have an FHA loan, refinancing might be easier than you think. The FHA Streamline Refinance is designed to lower your interest rate or switch to a more stable loan structure—with minimal paperwork and no appraisal in most cases.

• No income verification required
• No home appraisal required
• Low closing costs
• Faster process compared to traditional refinancing

• You must already have an FHA-insured loan
• Your mortgage must be current (no late payments in the last 3 months)
• The refinance must result in a net tangible benefit (lower rate or more stable terms)

• Credit qualifying (for more flexibility and options)
• Non-credit qualifying (quick and straightforward)

This is one of the easiest and most affordable ways to lower your monthly payment or secure a fixed interest rate if you currently have an ARM.