Program

    FHA Streamline
    Program

    The FHA Streamline allows existing FHA borrowers to take advantage of lower interest rates with reduced documentation requirements. It's designed to help homeowners save with minimal hassle.

    Get Started →

    Key Program Features

    • No appraisal required (in most cases)
    • No income or employment verification (non-credit qualifying option)
    • No credit score requirement from FHA (overlays may apply)
    • Can proceed even if underwater on the current balance
    • Potential MIP refund if within 3 years of original FHA closing
    • Closing costs typically 30–50% lower than conventional

    Eligibility Requirements

    • Must have an existing FHA-insured home
    • Must have made at least 6 monthly payments
    • 210 days must have passed since first payment date
    • All payments current for 6 months prior to application
    • No more than one 30-day late payment in the previous 6 months
    • New terms must provide a net tangible benefit

    Why FHA Streamline?

    The Advantages Are Clear

    Lower Costs

    Closing costs 30–50% lower than conventional. Potential MIP refund for qualifying borrowers.

    Fast Close

    Reduced documentation means faster processing. Many close within 30 days.

    Less Hassle

    No appraisal, no income verification in most cases. A truly streamlined experience.

    Ready to Streamline Your FHA?

    Takes 2–3 minutes. No credit impact. Secure & confidential.

    Find Out More