Refinance
FHA streamline refinance
A lighter-documentation refinance for existing FHA borrowers who meet seasoning and payment history tests.
- Reduced documentation
- Existing FHA loans
- Net tangible benefit rules
Who it is for
Borrowers who already have an FHA mortgage and want a simpler refinance path.
FHA streamline exists to reduce friction when you already have an FHA loan. It is not automatic: seasoning, payment history, and net tangible benefit still apply. If streamline does not clear, we compare a full-qualifying FHA or conventional refinance.
Questions
- Do I need an appraisal?
- Some streamline structures skip a new appraisal. Whether that is available depends on the specific execution.
Related programs
- Rate-and-term
Replace the current mortgage to change the rate, term, or both — without taking substantial cash out.
- FHA
Lower down payment and more flexible credit for owner-occupied purchases.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.