FHA Streamline

The FHA Streamline Refinance program allows current FHA borrowers to lower their monthly mortgage payments with minimal paperwork, no appraisal, and no income verification required. 

Download FHA Matrix

• Lower interest rates by at least 0.5%
• Lower monthly payments
• No appraisal requirement
• No income requirement
• Only mortgage credit report required with FICO scores
• Investment properties eligible
• Min. FICO 550

FHA STREAMLINE CHECKLIST:

▢ Submission Form
▢ Fannie Mae 3.4 File
▢ 1003 Loan Application
▢ Borrower’s Authorization
▢ ID & Social Security Card
▢ Mortgage-Only Credit Report
▢ Current Mortgage Statement
▢ Utility Bills
▢ Hazard Insurance Declaration Page
▢  Property Tax Bill
▢  Mortgage Note
▢  Assets (Proof of Funds to Close)
▢  Payoff Demand Statement
▢  Escrow Instructions
▢  Preliminary Title Report
▢  Estimated Settlement Statement 

Download Checklist

Eligible States:

Alabama, Arizona, Arkansas, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin