Skip the Red Tape.
Lower Your Rate.
Already have an FHA loan? The FHA Streamline Refinance is the fastest way to drop your interest rate and monthly payment with absolutely minimal paperwork and no property inspection.
Zero Appraisal Required
Underwater on your mortgage? It doesn't matter. We use your original purchase value to approve the new loan.
No Income Verification
Skip the W-2s and pay stubs. If you have been paying your current FHA mortgage on time, you are eligible.
Lightning Fast Closing
Without the delays of appraisals and deep underwriting, Streamline loans routinely close in 21 days or less.
Check Your Streamline Eligibility
Verify your potential rate drop instantly. No hard credit pull.
The "Zero-Friction" Refinance
If you currently hold an FHA loan, the government actively wants to help you lower your payment to prevent defaults. They created the Streamline program to make the process as frictionless as possible.
Only Need 6 Months History
To qualify, you simply need to have made your last 6 FHA mortgage payments on time, and it must be at least 210 days since you closed on your original loan.
UFMIP Refund Potential
When you close an FHA loan, you pay an Upfront Mortgage Insurance Premium (UFMIP). If you use a Streamline to refinance within three years, you are entitled to a partial refund of that premium, applied to your new loan.
No DTI Calculations
Did you take on a car loan or incur credit card debt since buying your house? Because the Streamline is a non-credit qualifying loan, we don't calculate your Debt-to-Income (DTI) ratio.
Streamline Savings Estimator
By law, an FHA Streamline must provide a "Net Tangible Benefit" (meaning it must measurably improve your financial standing). Calculate your potential monthly drop below.
Current Loan Profile
UFMIP Refund Note: If you close your Streamline refinance within 3 years of your original loan closing, you may be eligible for a refund of a portion of your original Upfront Mortgage Insurance Premium (ranging from 10% to 80% depending on the month).
The FHA Qualification Matrix
Because the FHA waives income and appraisal requirements, they enforce four strict baseline rules to protect the integrity of the program.
1. The 210-Day Rule
You must wait at least 210 days (roughly 7 months) from the closing date of your original FHA loan before you can close on an FHA Streamline.
2. Perfect Payments
You must have made at least 6 consecutive on-time payments on your current FHA loan. A single 30-day late payment will disqualify you.
3. Current FHA Status
This program is strictly "FHA-to-FHA". You cannot use an FHA Streamline to refinance a Conventional, VA, or USDA mortgage.
4. Net Tangible Benefit
The new loan must mathematically improve your situation. Typically, your combined rate and mortgage insurance must drop by at least 0.5%.