FHA Streamline Refinance

Apply Now for an FHA Streamline Loan, an FHA refinance loan, an FHA Purchase Loan

FHA loans:

  • FHA Streamline Mortgage loans
  • FHA Mortgage refinance loans
  • FHA Cash out Mortgage Loans
  • FHA Purchase Mortgage Loans
  • FHA Reverse Mortgage Loans

With an FHA Streamline Loan, you can lower your payments on your existing FHA Mortgage Loan.

FHA Streamline Checklist of Documents

FHA Streamline Refinance Loans are easy!!

  1. NO Origination fees
  2. Appraisal is not required
  3. No verification of employment is needed!

Thousands of home owners who have an FHA Mortgage have utilized the FHA streamline refinance to lower their interest rate.

Requirements for an FHA streamline Refinance

  • The mortgage to be refinanced must already be FHA insured
  • The mortgage to be refinanced should be current (not delinquent)
  • The refinance must lower the principal and interest payment of the previous mortgage payment
  • The borrower may not receive cash from loan proceeds in excess of $500
  • Any subordinate financing may remain in place as long as it is subordinated on title
  • The term of the new mortgage must be the lesser of 30 years or the unexpired term of the mortgage plus 12 years. A borrower cannot refinance from a 15 year loan to a 30 year loan.
  • An appraisal is not required unless the closing costs are wrapped into the loan. Streamline refinances without an appraisal are limited to the unpaid principal balance, minus any refund credit of the mortgage insurance premium (MIP), plus the new upfront MIP if it is to be financed in the mortgage
  • No termite report is required
  • The borrower cannot be late, delinquent, or in default of any federal debt

Why an FHA streamline loan is Easy

  • Lower your interest rate FAST!
  • Very little money out of your pocket – HUD (FHA) Requires that the home owner pays the upfront Mortgage Insurance premium.
  • Requires little to no financial documentation on your part
Click here to apply for your FHA Streamline Refinance NOW!

Mortgage Miracles Happen is an FHA Mortgage Lender in the following states:

Arizaona, Colorado, Florida, Texas & Utah


  • 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,
    Texas TDSML Texas Recovery Fund
    All rights reserved. © 2017

    Tel: 1-(801)-399-2364 | Texas Office Tel: 1-(281) 724-7423|

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