Licensed in the State of Florida


FHA Streamline Program

FHA Streamline Program


New FHA guidelines changes requires that the new mortgage balance remain the same. Only your interest rate, monthly payments or term changes. What you owe will remain the same.

  • No minimum credit score to qualify
  • No employment verification
  • No income verification
  • No appraisal required
  • No asset verification

FHA does not require an appraisal on a FHA streamline refinance. FHA does not require a credit report on a FHA streamline refinance. FHA does not require a minimum credit score on a FHA streamline refinance. Effective on or after April 18, 2011, FHA no longer requires employment and income verification on the FHA streamline refinance program.

A borrower is eligible for a FHA streamline refinance without credit qualifying if they have made their last 12 months mortgage payment on time and your current mortgage is an FHA loan.

Individuals may be deleted from the title on a streamline refinance if the remaining owner-occupant can demonstrate that he/she has made the mortgage payments during this time.

To qualify for a FHA streamline there must be a net tangible benefit to the homeowner. Net tangible benefit is defined as a 5% reduction to the principal and interest (P&I) of the mortgage payment plus the annual mortgage insurance premium (MIP) or refinancing from an Adjustable Rate Mortgage (ARM) to a fixed rate mortgage.

  • the borrower must have made at least six payments
  • mortgage being refinanced at least six full months must have passed since the first payment due date of the refinanced mortgage
  • at least 210 days must have passed from the closing date of the mortgage being refinanced

Florida FHA streamline program is designed to lower the monthly principal and interest payments on a current FHA-insured mortgage. The new loan must involve no cash back to the borrower, except for minor adjustments at closing, not to exceed $500.

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FHA Streamline

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FHA Streamline Program Requirements

To qualify for a streamline refinance your current mortgage must be a FHA mortgage

No Appraisal Required

There is no appraisal required to qualify for a streamline refinance

No appraisal required

No employment verification

You don't even have to have a job they don't verify it

No employment required 


Apply Now

Call Us 201-693-8521