What is the FHA funding fee on a refinance?

FHA refinances include an upfront mortgage insurance premium of 1.75% of the loan amount. This can be rolled into your loan. Monthly MIP also applies.

Will an Indiana FHA refinance hurt my credit?

Refinancing involves a credit check that may lower your score temporarily. Most borrowers see their score recover within a few months.

Is an Indiana FHA refinance worth it?

If you can lower your rate, reduce your payment, or access equity you need, an Indiana FHA refinance can save you thousands. We help you see if the math works.

Indiana FHA Refinance

Indiana FHA Refinancing

Indiana FHA Refinance That Works for You

Your home has worked for you. Now let your mortgage work smarter. An Indiana FHA refinance can reduce your payment, shorten your term, or give you cash for what matters most.

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

Benefits of Indiana FHA Refinance

FHA refinancing in Indiana offers paths that other loans do not. Streamline options skip much of the paperwork. Cash out options turn equity into opportunity. Credit guidelines remain flexible even after you own.

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

What Makes Indiana FHA Refinance Different

Reduce Your Rate and Costs

Rates change. An Indiana FHA refinance lets you take advantage when they drop. Lower rates mean lower payments and less interest over the life of your loan.

Cash Out for What Matters

Home improvements. College tuition. Debt payoff. An Indiana FHA refinance can turn your equity into cash while keeping your mortgage simple and affordable.

Lock In Predictability

A fixed rate Indiana FHA refinance keeps your principal and interest the same for 15 or 30 years. No surprises. Just stability.

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

Your Indiana FHA Refinance Starts Here

Get a quick estimate of your new rate and payment. We make the numbers clear.

Lower payments, better terms, or cash in hand. See what an Indiana FHA refinance can do for your budget.

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Streamline

Fast Track Your Indiana FHA Refinance

The FHA streamline program makes refinancing easier. If you have an existing FHA loan in Indiana, you can refinance with reduced documentation, no appraisal in many cases, and a faster path to savings.

Cash-Out

Turn Equity Into Cash With Indiana FHA Refinance

Need cash for a major expense? An Indiana FHA cash out refinance turns your home equity into funds you can use. Keep your mortgage simple while putting your equity to work.

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

Real people. Real challenges. Real mortgage success.

We love our Lafayette home. The old FHA rate was the only thing we wanted to change. Charles at Oxford fixed it through the Streamline. Same home, same neighborhood, just a much better payment. Exactly the outcome we were hoping for.

Gabriel Davis

Lafayette

Indiana

Was skeptical that lowering our Gary FHA rate could really be this simple. Chad at Oxford proved it can. Streamline process, barely any paperwork, no appraisal, and the rate improvement was better than I'd hoped. Chad earned my trust completely.

Dylan Lopez

Gary

Indiana

Every month on the old FHA rate felt like money wasted. Bsharah at Oxford handled the Streamline on our Bloomington home and now the payment actually fits our life. No appraisal, no income docs, and Bsharah kept us updated at every step. Clean process from start to finish.

Nancy Perez

Bloomington

Indiana

The communication from Carlton at Oxford during our Hammond FHA Streamline was outstanding. Knew exactly where things stood at every point. No jargon, no confusion. Rate dropped, payment dropped, and the whole thing was done in under a month. Carlton sets a high bar.

William Phillips

Hammond

Indiana

Brandon at Oxford was transparent about what the FHA Streamline would cost versus what it would save on our Fishers mortgage. The break even point was about four months of lower payments. After that, pure savings. That kind of honest math is why I trusted Brandon with the decision.

Leah Lee

Fishers

Indiana

Bought our Carmel home two years ago when FHA rates were higher. Bob at Oxford brought up the Streamline option and the timing was perfect. Locked in a lower rate without needing an appraisal or income documentation. The savings add up to a real number over the life of this loan.

Debra Campbell

Carmel

Indiana

My neighbor in South Bend used Bailey at Oxford for their FHA Streamline and told me to do the same. Same great experience. Lower rate, no appraisal, closed quickly. Now we've both recommended Bailey to the rest of the block. Oxford is building a reputation one household at a time.

Marco Perry

South Bend

Indiana

Two things mattered to me about the FHA Streamline with Antonio at Oxford. First, the rate on our Evansville home actually dropped by a meaningful amount. Second, it barely required any work on my end. Both delivered. Antonio handled the details and we just signed at closing.

Trent Price

Evansville

Indiana

Tried to lower our FHA rate through our servicer and waited two months with no progress. Switched to Angellise at Oxford and the Streamline on our Fort Wayne home was closed in three weeks. More time on hold with the old lender than the entire Oxford process took.

Sonia Sullivan

Fort Wayne

Indiana

Retired on a fixed income and our Indianapolis FHA payment was stretching the budget. Abigail at Oxford handled a Streamline that brought the rate and payment down to a comfortable level. No appraisal, no stress. Abigail understood our situation and got it done efficiently.

Adriana Garcia

Indianapolis

Indiana

FAQ

Indiana FHA Refinance FAQ

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

How does an Indiana FHA refinance work?

An Indiana FHA refinance pays off your existing mortgage with a new FHA loan. You can choose a streamline option for speed or a cash out option for equity access.

Who can get an Indiana FHA refinance?

Homeowners with existing FHA loans can use the streamline option. Anyone meeting FHA guidelines can use cash out or rate and term refinancing. We help you determine eligibility.

What is the difference between FHA streamline and cash out?

Indiana FHA streamline refinance lowers your rate with minimal paperwork. Cash out lets you borrow against equity but requires more documentation and an appraisal.

Can I lower my payment with an Indiana FHA refinance?

Yes. If current rates are lower than your existing rate, an Indiana FHA refinance can reduce your monthly payment significantly.

Do I need income verification for FHA streamline Indiana?

FHA streamline refinances often have reduced income verification requirements. This makes your Indiana FHA refinance faster and simpler than other options.

How much equity do I need for Indiana FHA refinance?

Streamline refinances do not require equity. Cash out refinances typically require at least 20% equity to access funds. We help you understand your options.

Can I refinance if I owe more than my home is worth in Indiana?

FHA streamline may be possible even with limited equity since it focuses on rate reduction. Cash out requires positive equity.

Explore Options

Explore other refinance options

VA Refinance

You served without hesitation. Now a VA mortgage refinance should serve you just as well.

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earned Ease

FHA Refinance

Lower your payment. Lift your stress. A mortgage refinance means your loan does not have to stay the same.

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Fresh Start

HELOC

Your home has more to give. A HELOC or mortgage refinance lets you tap into its value when life calls for more.

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On Demand

HELOAN

Predictable payments. No surprises. A HELOAN gives you cash you can count on when you need it.

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Upfront Cash

Conventional Refinance

You have done the hard work. A Conventional mortgage refinance rewards your discipline with better terms.

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Lower. Locked.

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