FHA Streamline Refinance Loans

The FHA Streamline Refinance program is a refinance program for people who have an existing Federal Housing Administration (FHA) loan. It is the simplest and easiest way to refinance an FHA loan. Unlike a traditional refinance an FHA Streamline Refinance allows a borrower to refinance without having to verify their income and assets. In most cases an appraisal is not required. One of the most advantageous aspects of this program is that it allows for an unlimited loan-to-value ratio.

FHA Streamline


  • You must currently be living in the house you are refinancing.
  • You can’t have made more than two, 30-day late payments on your FHA mortgage in the past 12 months and must now be current on payments.
  • You have not completed an FHA Streamline Refinance in the past 6 months.
  • FHA does not have a minimum credit score required for a streamline refinance, but many lenders do. Generally it’s best if you have a score of 620 or above.

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