An FHA streamline refinance that keeps things simple
You already have an FHA loan. An FHA streamline refinance reduces friction with fewer documents and often no appraisal. The goal is simple. A payment that fits your life better and moves forward only if the numbers work in your favor.
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Are You Eligible? Here Is What to Know
You need an existing FHA loan on your primary residence with recent on time payments. An FHA streamline refinance must provide a clear benefit such as a lower payment, steadier term, or fixed rate. Identity and occupancy are verified, often without income documents or a new appraisal, and requirements are shown upfront.
Our Rates For You
FHA Streamline 30 Year Refi
FHA Streamline 15 Year Refi
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
FHA loan path step by step.
See your potential savings
Check your current balance, estimated value, and target term. The calculator shows an estimated monthly payment so you can decide if an FHA streamline refinance is worth exploring before you apply.
Keep the address you love and reset the plan.
Move from adjustable to fixed for steadier budgeting.
Roll allowed costs into the loan when the rules permit.
Remove a co-borrower when the file qualifies.
Why homeowners choose an FHA Streamline
Real people. Real challenges. Real mortgage success.
FHA Streamline Refinance Questions, Clearly Answered
Still unsure? Talk to someone who hears you, not a script.
An FHA streamline refinance makes sense when you already have an FHA loan and want a clear benefit such as a lower payment or more stable terms. Reviewing numbers side by side helps confirm if it improves your monthly life.
Many FHA streamline refinance files do not require income verification or a new appraisal, though this depends on eligibility. You will know exactly what applies to you before starting.
Most applications begin with a soft review. A hard inquiry typically occurs only if you choose to move forward.
Timelines are often shorter than traditional refinances. Clear documentation and simple guidelines keep the process predictable.
In many cases yes. An FHA streamline refinance may allow eligible costs to be rolled in, reducing out of pocket expenses.
Not always. The program requires a net benefit, but results depend on rate, term, and structure. You see the outcome clearly before deciding.
Some FHA streamline refinance scenarios allow a co borrower to be removed when guidelines are met. Eligibility is reviewed early.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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