Can I refinance from conventional to FHA in Washington?

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

Is there mortgage insurance on a Washington 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 Washington FHA refinance?

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

Washington FHA Refinance

Refinance Your FHA Loan Washington

Washington FHA Refinance That Puts Money Back

Stop overpaying on a rate that no longer fits. A Washington FHA refinance helps homeowners like you lock in better terms and take control of their mortgage costs.

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

Why Washington Homeowners Choose FHA Refinancing

A Washington 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

Benefits of Your Washington FHA Refinance

Lower Your Monthly Payment

If rates have dropped since you bought, a Washington 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 Washington 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 Washington 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

Explore Washington FHA Refinance Options

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

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

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Streamline

FHA Streamline for Washington Homeowners

Already have an FHA loan? The Washington 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

FHA Cash Out for Washington Homeowners

Your home equity is real money. A Washington 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.

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

Real people. Real challenges. Real mortgage success.

We love our Kirkland 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.

Bryan Duncan

Kirkland

Washington

Was skeptical that lowering our Federal Way 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.

Wendy Morgan

Federal Way

Washington

The communication from Carlton at Oxford during our Renton 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.

Hannah Brown

Renton

Washington

Every month on the old FHA rate felt like money wasted. Bsharah at Oxford handled the Streamline on our Everett 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.

Alexander Lopez

Everett

Washington

Brock at Oxford was transparent about what the FHA Streamline would cost versus what it would save on our Kent 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 Brock with the decision.

Lamar Rogers

Kent

Washington

Bought our Bellevue 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.

Anna Brown

Bellevue

Washington

My neighbor in Vancouver 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.

Colton Turner

Vancouver

Washington

Two things mattered to me about the FHA Streamline with Antonio at Oxford. First, the rate on our Tacoma 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.

Curtis Webb

Tacoma

Washington

Retired on a fixed income and our Seattle 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.

Tonya Davis

Seattle

Washington

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 Spokane home was closed in three weeks. More time on hold with the old lender than the entire Oxford process took.

Heather Jenkins

Spokane

Washington

FAQ

Washington FHA Refinance FAQ

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

What is a Washington FHA refinance?

A Washington 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 Washington FHA streamline refinance?

The Washington 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 Washington FHA refinance?

Yes. A Washington 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 Washington 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 Washington 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 Washington 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 Washington FHA refinance closing costs?

Closing costs for a Washington 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.

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