FHA Loans (Federal Housing Administration Loans)

FHA Loans (Federal Housing Administration Loans)

The FHA Streamline Refinance program is aimed at homeowners holding existing FHA mortgages. This initiative allows property owners to refinance their homes without necessitating a new appraisal. Regardless of the current actual value of the house, the homeowner can use the initial appraised value as the property’s present value.

Some other notable attributes of this loan program include:

  1. Employment verification is the sole requirement. Confirmation of the borrower’s continued employment with the listed employer on the application is needed.
  2. Income verification is not obligatory, eliminating the need for pay stubs, W-2 forms, and tax returns.
  3. Credit score verification is not mandatory. Only a history of 12 months of punctual payments is necessary.
  4. This program also applies to FHA investment properties financed through an FHA loan.

To be eligible for an FHA Streamline Refinance, the homeowner’s current mortgage must be an existing FHA loan. There are restrictions regarding when one can apply for this type of refinance:

  1. Our knowledgeable loan officers possess expertise in FHA Streamline loans and are ready to assist in ensuring that such a loan benefits you. This loan is specifically designed to help you save on interest and payments. Let us assess how much you can potentially save.


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