FHA Streamline Refinance
The fastest way to refinance your FHA loan. Minimal documentation, no appraisal required, and lower your payment quickly.
Refinance Your FHA Loan the Easy Way
We shop 50+ lenders to find you the best FHA Streamline rate. With minimal paperwork and no appraisal, you can close in as fast as 15 days.
FHA Streamline Benefits
The easiest way to lower your FHA mortgage payment.
No Appraisal Needed
Skip the appraisal process entirely. Your home’s current value doesn’t matter.
Minimal Documentation
No income verification, no employment verification, no credit qualifying in most cases.
Fast 15-Day Closing
Less paperwork means faster processing. Close quickly and start saving.
Lower Monthly Payment
Must result in a “net tangible benefit” – lower payment or shorter term.
Reduced MIP
If your loan originated before June 2009, you may qualify for lower MIP rates.
Underwater? No Problem
Even if you owe more than your home is worth, you may still qualify.
Do You Qualify?
FHA Streamline is available if you meet these basic requirements:
- You currently have an FHA loan
- You’ve made at least 6 monthly payments
- At least 210 days since your loan closed
- No late payments in the last 6 months
- No more than 1 late payment in the last 12 months
- The refinance provides a “net tangible benefit”
Not sure if you qualify? Contact us and we’ll review your situation in minutes.
Check My Eligibility →FHA Streamline Requirements
Existing FHA Loan
You must currently have an FHA-insured mortgage. This program is only for existing FHA borrowers.
Payment History
At least 6 on-time payments, with no late payments in the last 6 months.
Net Tangible Benefit
The refinance must lower your payment by at least 5%, or convert from ARM to fixed rate.
Seasoning
At least 210 days must have passed since your original FHA loan closed.
Get Your FHA Streamline Quote
See how much you can save with minimal paperwork.
Start Saving on Your FHA Loan
The easiest refinance available. Minimal docs, no appraisal, fast closing.