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The FHA Streamline Refinance is for borrowers who currently have an FHA loan.  This loan allows the borrower to refinance their current FHA loan with little to no closing costs. 

FHA “streamline” refers only to the amount of documentation and underwriting that needs to be performed by the lender, and does not mean that there are no costs involved in the transaction. Please see below for the guidelines of an FHA Streamline Refinance. 

Please feel free to contact us at 818-920-1600 if you have any questions or click here to apply for an FHA loan..


Borrower must currently have an FHA loan on the property

The streamline refinance must lower the borrowers previous principle and interest payment.

The borrower cannot receive any cash out of the new streamline refinance.

The current FHA loan must have been paid on time for the past 12 months and must be current at the time of the refinance.

Borrower must have had their current FHA loan for at least 6 months.

No credit report is required

No income verification required - No tax returns, W-2's or paystubs required.

Appraisal is required only if the borrower is rolling the closing costs into the loan. If the borrower decides on a No-Cost streamline refinance or pays the closing costs out of pocket, then no appraisal is required.  If the borrower decides to roll the closing costs into the loan, an appraisal is required and there are maximum LTV requirements on the new loan.  Contact us for further details on this guideline.

Any other liens must subordinate to the new FHA loan.

Subordinate Financing. Subordinate financing may remain in place, regardless of the total indebtedness against the property on streamline refinances, with or without appraisals. The borrower is not required to satisfy any outstanding subordinate liens, as long as they will clearly be subordinate to the new FHA-insured refinance mortgage.

No mortgage lates allowed in last 12 months on ARM to Fixed.

Copy of existing Note required.

Owner-Occupied can shorten the term of the loan provided the P&I payment does not go up more than 20%.

Employment must be verified, but not income.

FHA does not require repairs to be completed (except for lead-based paint repairs) on streamline refinances with appraisals; however, the lender may require completion of repairs as a condition of the loan.

Please note:  This is just an overview of the guidelines for this loan, there may be other restrictions or guidelines that are not stated above.  For more information, please give me a call at 818-920-1600. If you would like to be pre-approved for this program, please click here.



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To be pre-qualified for an FHA loan, please complete the following form.  If you have a more detailed loan scenario, please click here and complete the form for a free pre-approval.  We will contact you within 24 hours.

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