FHA Streamline

Let us help you save money so you can better your future.

Don’t be complacent with what you have by doing nothing

Your current mortgage is either an FHA Mortgage

Your current interest Rate is at least 4.75% or higher

With the information that I have researched, I know I can save you quite a bit of money each year.

You are eligible for an FHA streamline.

An FHA streamline does not require an appraisal, income documentation and is a very easy thing to do.


We can see if it is better to do a refinance into a conventional loan.

Start saving money each month right now.

  • No Pay stubs
  • No Tax Returns
  • No Bank Statements
  • No Appraisal


How to get started & what’s the process:

1 – Fill out the online loan application

Apply online


This will take you about 20 minutes

You do not need to fill in the following sections of the application,

  • Income
  • Debts
  • Bank Account information.

Just skip over those sections

2              Electronic Signatures Required After

After we receive the online application, we verify your credit score and will require signature on the application and the disclosures. We will email the disclosures that will be signed via electronic signature.

3              Documents that are needed to process a Streamline Refinance

You can either email the documents to me


Upload to a secure folder via DropBox that we will set up for you


Fax them to us at: -1-877-399-2364


You can mail them to our office (the old fashioned way)

4                              Closing of the loan:

You will need to sign the final closing documents from the title company in a couple of weeks.

This is usually done at the title company’s office. In certain instances a mobile notary can be used for a fee.



Documents that are needed to process a FHA Streamline Refinance

1) Settlement statement from your current loan

Found in your  closing package / closing documents of your current loan from the title company.

2) Mortgage Note – Current  FHA Loan

Located in the closing package of your loan that you received from the title company.

3) Copy of your current mortgage statement.

4) Copy of Drivers License or Government issued ID

(Must be clear & legible – take a picture with your phone or scan)

5) Copy of Social Security Card (for each borrower

(Must be clear & legible – take a picture with your phone or scan)

6) Copy of Home Owners Insurance Policy

Needed to verify you have sufficient insurance coverage to be able to get the new loan.


Contact details for your insurance agent

7) FHA case number (on your current loan, this can be found on one of two documents;

1) Note

2) Deed of Trust

8) Employment verification

We verify that you are currently employed by calling the HR department or your boss.

We will need the employment section of the loan application completed.

We will need to have the contact information of your HR department or employer or The Work Number Information to verify your employment (if your employer uses The Work Number).

Go to this page on my website for the checklist list of documents needed for the processing of the application.


FHA Streamline Refinance Documents needed



  • Ben was so great to work with on our refinance. He went above and beyond to make sure it was done right and that everything was in place. We would highly recommend him to anyone.

  • Ben worked with us when we were buying a home and I was particularly impressed with how quickly he always responded, even at odd hours. He was a pleasure to work with and we have already recommended him to friends.

  • Ben was courteous, professional, and knowledgeable. He had our best interest at heart through our entire home buying process and never pressured us. I would recommend him to anyone who is looking to buy or refinance a home.

  • Easy online Application
    Online Mortgage Application

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    All loans subject to credit approval. Rates and fees subject to change. Mortgage financing brokered by Mortgage Miracles Happen, LLC. Equal Housing Lender.
    Mortgage Miracles Happen, LLC is a mortgage broker in Arizona, Colorado, Florida, Texas & Utah.
    NMLS: 1289680; Arizona: 0937981, AZ Address: 7137 E Rancho Vista Drive, STE B05, Scottsdale, AZ 85251;
    Colorado: Mortgage Miracles Happen, LLC; Florida License # MBR1900,
    UT: Mortgage Miracles Happen, UT license # 7380298 Utah DRE,
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