Can I refinance from conventional to FHA in District of Columbia?

Yes. If you meet FHA guidelines, you can refinance your conventional loan to an FHA loan in District of Columbia. This may help if you have lower equity or credit challenges.

Is there mortgage insurance on a District of Columbia FHA refinance?

Yes. FHA loans require upfront and monthly mortgage insurance. This is how FHA can offer flexible guidelines and lower down payment options.

How do I start a District of Columbia FHA refinance?

Reach out and tell us about your current loan and goals. We check your options and help you decide if a District of Columbia FHA refinance makes sense for you.

District of Columbia FHA Refinance

District of Columbia FHA Refinance for Homeowners Ready to Save

The right refinance can change your monthly budget. A District of Columbia FHA refinance offers lower rates, streamline simplicity, and cash out flexibility. Let us show you your options.

Guidance homeowners rely on

Thousands of families just like yours have found clarity and confidence with the guidance of a leading mortgage lender dedicated to their success.

Why Us

The Power of District of Columbia FHA Refinance

A District of Columbia FHA refinance gives homeowners flexible options to improve their mortgage. Lower your rate with a streamline refinance or access equity with a cash out. Government backing means guidelines that work for more borrowers.

Our Refinance Rates

Our Rates For You

FHA 30 Year Refi

Payment Relief

Monthly payment

$2,053.64

Rate Points (cost)

(

$10,500

)

Rate

5.800%

APR

5.500%

Effective date:

2026-03-17

FHA 15 Year Refi

Equity Builder

Monthly payment

$2,915.81

Rate Points (cost)

(

$10,500

)

Rate

5.800%

APR

5.500%

Effective date:

2026-03-24

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.

Reason

Why Homeowners Choose District of Columbia FHA Refinance

Lower Your Monthly Payment

If rates have dropped since you bought, a District of Columbia FHA refinance can lock in savings that last the life of your loan. A lower rate means a lower payment every month.

Access Your Home Equity

Your home has built value. A District of Columbia FHA refinance cash out option lets you turn that equity into cash for renovations, debt consolidation, or whatever you need.

Stabilize With a Fixed Rate

If you have an adjustable rate, a District of Columbia FHA refinance can move you to a fixed rate. Predictable payments make budgeting easier and protect you from rate increases.

Refinance calculator

How much could refinancing save you

Enter your current balance, your estimated value, and your target term. The calculator shows a clear estimate that helps you decide if now is the right time.

unlock your potential

See What District of Columbia FHA Refinance Can Do

Start your District of Columbia FHA refinance

Answer a few questions and see your potential savings. No commitment required.

Take the first step toward a better mortgage. Your District of Columbia FHA refinance could start saving you money within weeks.

Smiling family of three sitting on a porch looking at printed photos together with their black and white dog.

Streamline

Streamline Your District of Columbia FHA Refinance

Already have an FHA loan? The District of Columbia FHA streamline refinance lets you lower your rate with minimal paperwork and often no appraisal. It is designed to be fast, simple, and focused on saving you money.

Cash-Out

Access Your Equity With District of Columbia FHA Refinance

Your home equity is real money. A District of Columbia FHA cash out refinance lets you borrow against that equity for renovations, debt consolidation, education, or whatever you need. One loan, one payment, real flexibility.

Couple sitting on the floor closely examining and discussing multiple architectural blueprints.

4.9★ rating across 35K+ reviews (Expirence, Google, Zillow, Trustpilot)

Real people. Real challenges. Real mortgage success.

The Navy Yard neighborhood is everything we wanted. Schools, parks, neighbors. The FHA rate was the one thing dragging us down. Temitayo at Oxford handled the Streamline and now the payment matches the lifestyle. Problem solved without having to uproot anything.

Morgan Gonzalez

Navy Yard

District of Columbia

Just wrapped up our FHA Streamline in Tenleytown with Landon at Oxford. Wanted to share for anyone on the fence. It is genuinely easy. The savings are real. And Landon makes the process painless. Don't overthink it. Just call.

Stephen Holmes

Tenleytown

District of Columbia

A friend told me not to bother trying to lower my FHA rate because the process would be terrible. Craig at Oxford proved that wrong on our Petworth mortgage. Streamline, minimal docs, no appraisal. Done in three weeks. My friend is now calling Craig too.

Jordan Moore

Petworth

District of Columbia

Our Brookland home is where our kids are growing up. We weren't going anywhere. The FHA rate was just too high. Antonio at Oxford handled the Streamline and brought the payment back to earth. Same house, same memories, much better financial picture.

Fernando Cox

Brookland

District of Columbia

Went from checking our Foggy Bottom mortgage statement with dread to barely thinking about it. That's what Abigail at Oxford accomplished with the FHA Streamline. Rate dropped, payment dropped, and it's just another manageable bill now.

Susan Cunningham

Foggy Bottom

District of Columbia

Sat down and calculated the overpayment on our Columbia Heights FHA mortgage versus current rates. Painful number. Temitayo at Oxford closed that gap with a Streamline in about three weeks. That money stays in our account now where it belongs.

Nancy Gordon

Columbia Heights

District of Columbia

Fifteen minutes on the phone with Landon at Oxford told me everything I needed to know about the FHA Streamline on our Adams Morgan home. Lower rate, lower payment, minimal effort required. All of that turned out to be accurate. No overselling, no disappointments.

Sharon Allen

Adams Morgan

District of Columbia

I called three lenders about lowering my FHA rate in Dupont Circle. Two never followed up. Craig at Oxford called back within the hour, explained the Streamline clearly, and we closed in under a month. Night and day compared to the others. Craig earned my business immediately.

Bradley Cooper

Dupont Circle

District of Columbia

After divorce, I needed to get my Georgetown housing costs down. Antonio at Oxford handled the FHA Streamline and lowered my rate without requiring piles of documentation during an already overwhelming time. Antonio was patient, professional, and genuinely helpful when I needed it most.

Jamal Ortiz

Georgetown

District of Columbia

Had our third baby and the budget needed reworking. Abigail at Oxford did an FHA Streamline on our Capitol Hill mortgage and freed up a couple hundred dollars a month. That goes straight to diapers and daycare. Sounds small but it makes a real difference for a family of five.

Betty Jenkins

Capitol Hill

District of Columbia

FAQ

District of Columbia FHA Refinance FAQ

Still unsure? Talk to someone who hears you, not a script.

What is a District of Columbia FHA refinance?

A District of Columbia FHA refinance replaces your current mortgage with a new FHA loan, often at better terms. You can lower your rate, reduce your payment, or access cash from your equity.

What is the District of Columbia FHA streamline refinance?

The District of Columbia FHA streamline refinance is a simplified option for homeowners with existing FHA loans. It requires less paperwork, often no appraisal, and is designed to lower your rate quickly.

Can I get cash out with a District of Columbia FHA refinance?

Yes. A District of Columbia FHA cash out refinance lets you borrow against your home equity for renovations, debt consolidation, or other needs. You can typically access up to 80% of your home value.

What credit score do I need for a District of Columbia FHA refinance?

FHA refinances have flexible credit guidelines. Most lenders look for 580 or higher for streamline refinances. Cash out may require higher scores. We help you understand your options.

How long does a District of Columbia FHA refinance take?

FHA streamline refinances often close in 30 days or less. Cash out refinances may take 30 to 45 days. We keep things moving and update you throughout.

Do I need an appraisal for a District of Columbia FHA refinance?

Streamline refinances often skip the appraisal. Cash out refinances typically require one. We let you know what to expect for your situation.

What are District of Columbia FHA refinance closing costs?

Closing costs for a District of Columbia FHA refinance typically run 2% to 5% of the loan amount. Costs can often be rolled into the loan to reduce out of pocket expenses.

Explore Options