FHA Refinance Loans
Have an FHA loan, or want to refinance into one? FHA refinance options — including the FHA Streamline — can help you lower your payment with flexible qualifying guidelines.
Benefits
Why homeowners choose an FHA refinance
FHA Streamline refinance
If you already have an FHA loan, the Streamline option is designed to reduce paperwork when refinancing to a lower rate.
Flexible qualifying
FHA's more forgiving guidelines can make refinancing accessible when other programs won't work.
Cash-out option
Tap your equity with an FHA cash-out refinance, subject to program guidelines.
An accessible path
A practical refinance route for borrowers with credit or equity considerations.
Good fit?
Is an FHA refinance right for you?
Not sure if this is the right program? Get a free quote and a loan officer will help you compare your options.
Start my free quote- You currently have an FHA loan and want a lower payment
- You want a refinance with flexible credit guidelines
- You'd like to access equity with an FHA cash-out refinance
- You were turned down for a conventional refinance
The process
How it works
Start your quote
Tell us about your current loan and your goal — a lower payment, a shorter term, or cash from your equity.
Review your options
Your loan officer lays out the refinance paths that fit, with the trade-offs explained in plain language.
Lock in your terms
Once you choose a direction, we handle the paperwork and keep the process moving.
Close and start saving
Sign your new loan and put the benefit — lower payment, faster payoff, or cash in hand — to work.
Questions
Frequently asked questions
What is an FHA Streamline refinance?
The FHA Streamline is a refinance for borrowers who already have an FHA loan. It's designed to reduce documentation and paperwork when the goal is a lower rate or payment.
Do I need an appraisal for an FHA Streamline?
The Streamline option often requires less documentation than a standard refinance, and an appraisal may not be required. We'll confirm the requirements for your loan.
Does an FHA refinance include mortgage insurance?
FHA loans include mortgage insurance premiums. We'll explain how they factor into your new payment so you can weigh the full picture.
Can I take cash out with an FHA refinance?
Yes — an FHA cash-out refinance lets eligible homeowners access a portion of their equity, subject to program guidelines. We'll walk you through what you may qualify for.
Who qualifies for an FHA refinance?
Eligibility depends on your current loan, equity, and financial picture. The fastest way to know is to get a quick quote and talk it through with a loan officer.
Ready to get started?
Get your personalized quote in a few minutes — no obligation, no impact to your credit to start. A loan officer will help you take it from there.