FHA Streamline Refinance

A Fast Track to a Lower FHA Payment

The FHA Streamline Refinance

What are FHA Streamline refinance loans?

An FHA Streamline is a special refinance program exclusively for homeowners who already have an FHA-insured mortgage. It replaces the existing loan with a new FHA loan solely to lower the rate, change the term, or move from an ARM to a fixed rate.

Benefits of an FHA Streamline Refinance

Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Frequent Questions Regarding FHA Streamline Refinance

Can I roll closing costs into the new loan? Yes — as long as the new principal does not exceed the unpaid balance of the old loan plus financed upfront MIP.
Will I need a new appraisal? Not for standard Streamlines. Your current payoff statement substitutes for a value, so even negative-equity borrowers can qualify.
Do I start my MIP clock over? Yes. You’ll pay the upfront premium again (less any refund) and continue to pay annual MIP for 11 years or the life of the loan, depending on the new LTV.
How soon after my last refinance can I streamline again? Each new FHA Streamline must meet the same seasoning rule: at least six payments made and 210 days elapsed since the first payment due date.

Let's Talk FHA Streamline Refinance

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