FHA Refi Center

The FHA Streamline Refinance does not require an appraisal or qualifying documentation.  No pay stubs, W-2's, Bank Statements,  or appraisal are required for your approval!  No verification of Equity! Credit scores as low as 550! Here are answers to the most frequent questions?

1.  The FHA streamline Refinance must be used for an existing FHA Loan. However, an FHA loan with credit qualifying can be used to refinance an existing conventional loan with cash out up to 95% loan to value. is then required.

2.  A Streamline FHA refinance IS available WITH OUT an appraisal. No equity is required.

3.  The costs of the new loan are minimal and often we can pay the actual closing costs for the borrower.  In most cases, there are no "out of pocket" expenses.

4.  The FHA streamline Refinance does not allow for "cash back", but the loan can be positioned to "skip a month" in payments

5.  The new loan must be a "Net Tangible Benefit" to the borrower.  This can be either a rate reduction, or a conversion to a 30 year fixed rate from an adustable rate mortgage.

6.  The new loan can not pay off an existing second mortgage. Any 2nd mortgages must resubordinate behind the new loan.

7.  The existing loan can not be delinquent.

8.  The new loan does not require an Appraisal

9.  The borrower can qualify with out credit, income or asset documentation.

Please follow these steps for a no cost, no obligation quote for your FHA Rate Reduction.

* Fax or email your most recent mortgage statement to: 1 (866) 315-4327 (toll free) Please include your name, address, and  phone number and/or your email address.  Please include the original loan amount if available.

* Complete our "quick on line application" in the Apply Now Section of our website. (helpful, but not required)

* We will prepare and forward a Good Faith Estimate to your designated email, fax or mailing address with in 24 hours. Weekends too!

*  Or simply call me at (951) 775-5646 and we can provide you with a quote over the phone.