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If you already have an FHA loan, you may qualify for a faster, easier refinance with the FHA Streamline Refinance program. This low-hassle option is designed to help you lower your interest rate or switch from an adjustable-rate to a fixed-rate mortgageβwithout the paperwork typically required for a refinance.
β No home appraisal
β No income verification
β No credit score minimum (in many cases)
Whether you’re looking to reduce your monthly payments or stabilize your rate, FHA Streamline makes refinancing simpler.
π Learn more about FHA Loans
Want to see your potential savings in minutes?
Use our FHA Streamline Refinance Calculator to estimate your new monthly mortgage payment and total interest savings.
βοΈ No credit check
βοΈ Instant results
βοΈ No contact info required to get started
π Try the FHA Refinance Calculator Now
SponsoredHereβs why thousands of FHA borrowers use this program:
Want to see how FHA compares? Try our Loan Comparison Calculator.
You may qualify if:
π‘ Run the numbers with our FHA Loan Calculator to see what your new payment might look like.
Feature | FHA Streamline | Traditional Refinance |
---|---|---|
Appraisal | β Not required | β Required |
Income Verification | β Often waived | β Required |
Credit Check | β οΈ Sometimes skipped | β Required |
Time to Close | π ~10β20 days | π ~30β45 days |
Still exploring your best path forward? Use our tools to weigh your options side-by-side:
Follow these simple steps:
No. This program is strictly for rate and term refinancing. If you need cash, consider a Cash-Out Refinance.
Generally yes, unless using a non-credit qualifying streamline for a home you used to occupy.
Yes, both upfront and annual MIP apply. You may be eligible for a partial refund if your current FHA loan is less than 3 years old.
Yesβand doing so counts as a “net tangible benefit,” which is required for approval.
With FHA Streamline, you may not need an appraisal, income documentation, or a high credit score. You just need to make the first move.
π― Use our FHA Streamline Refinance Calculator
π― Explore FHA Loans in Depth
π― Compare your refinance options side-by-side with our Loan Comparison Calculator
π Start My FHA Streamline Refinance