{"id":7712,"date":"2021-12-20T04:12:32","date_gmt":"2021-12-20T03:12:32","guid":{"rendered":"https:\/\/businessfinancenews.com\/?p=7712"},"modified":"2021-12-21T04:01:42","modified_gmt":"2021-12-21T03:01:42","slug":"fha-streamline-refinance","status":"publish","type":"post","link":"https:\/\/businessfinancenews.com\/fha\/fha-streamline-refinance\/","title":{"rendered":"FHA Streamline Refinance"},"content":{"rendered":"\n

FHA Streamline Refinance<\/strong><\/h2>\n\n\n\n

When it comes to refinancing your mortgage, the process can become quite tedious, thanks to all the paperwork involved. That\u2019s why many homeowners turn to the FHA Streamline Refinance program. As the name implies, this mortgage product seeks to simplify the application process, something many homeowners find very appealing.<\/p>\n\n\n\n

n simple terms, the Federal Housing Administration (FHA) Streamline Refinance Program allows homeowners to refinance their existing\u00a0FHA mortgage<\/a>\u00a0in an effort to reduce their current interest rate while avoiding much of the paperwork, including a home appraisal, that accompanies a traditional mortgage refinance application.<\/p>\n\n\n\n

The FHA Streamline Refinance program makes the loan underwriting process for a new mortgage less cumbersome. \u201cIt\u2019s not necessarily a different type of loan,\u201d he said. \u201cIt\u2019s really about the process of how the loan gets done.\u201d<\/p>\n\n\n\n

Therefore, choosing the FHA Streamline Refinance program should be an easy choice, right? Well, yes and no. As with all mortgage products, there are pros and cons to this program, all of which should be thoughtfully evaluated and thoroughly discussed with your financial planner before moving forward.<\/p>\n\n\n\n

Benefits of FHA Streamline Refinance loans<\/h3>\n\n\n\n

Most of the benefits of the FHA Streamline Refinance program revolve around the\u00a0streamlined application process<\/a>\u00a0for the mortgage loan. For example, because your existing mortgage must be an FHA loan, you have already established your creditworthiness for a new FHA mortgage. As a result, there\u2019s no need to run a check on your credit history or provide employment or income verification. \u201cWhat they are saying is they already have your information,\u201d Kapfidze said.<\/p>\n\n\n\n

Homeowners looking to refinance under the FHA Streamline Refinance program may not need a new appraisal on their home, either. Because the new mortgage amount cannot exceed the amount of the original mortgage, there\u2019s no need to prove the home\u2019s value again. Not having to pay for an appraisal as you would with a traditional refinance mortgage product reduces the costs associated with a Streamline Refinance mortgage, another factor that makes this product attractive.<\/p>\n\n\n\n

In addition to less paperwork, an FHA Streamline Refinance offers tangible benefits as well. The primary tangible benefit is a lower interest rate, which could reduce the amount of your monthly payments. As with any mortgage product, this rate may be fixed or adjustable.<\/p>\n\n\n\n

Also, when using the FHA Streamline Refinance program, there may be lower closing costs than those associated with a traditional mortgage product. It\u2019s important to note these closing costs must be paid separately from the\u00a0mortgage amount. Unlike traditional mortgages that allow borrowers to roll closing costs into the mortgage amount, the FHA does not permit lenders to do the same with a Streamline Refinance.<\/p>\n\n\n\n

However, some lenders may offer products that work around this exclusion by charging a higher interest rate and using those monies to pay the closing costs on the transaction. Therefore, the borrower would incur \u201cno costs\u201d at the onset of the Streamline Refinance mortgage.<\/p>\n\n\n\n

Limitations of FHA Streamline Refinance loans<\/h3>\n\n\n\n

While the FHA Streamline Refinance program seems like a win-win for everyone, it\u2019s actually not for all. There are certain requirements in place that limit eligibility for taking advantage of this mortgage product.<\/p>\n\n\n\n

First and foremost, the original mortgage must already be an existing FHA home loan. Having an FHA-insured loan in place is the primary reason why you can usually skip a credit check, income and employment verification, along with the home appraisal.<\/p>\n\n\n\n

Second, you must be current on your existing mortgage payments and ideally should not have missed any payments. Your mortgage must be at least 210 days old and you must have made at least six monthly payments. Exceptions can be made if, for example, you\u2019ve had your loan for less than 12 months and haven\u2019t missed any payment deadlines by more than 30 days.<\/p>\n\n\n\n

Third, through the program, the FHA requires that the Streamline Refinance provides the borrower with a \u201cnet tangible benefit.\u201d The definition of this \u201cnet tangible benefit\u201d will not be the same for every homeowner because it varies by type of loan, interest rate, mortgage amount and term of the loan.<\/p>\n\n\n\n

When discussing the FHA Streamline Refinance Program with your lender, make sure you both determine what the net tangible benefit is for you so you can make an informed decision on this product before moving forward.<\/p>\n\n\n\n

Also, unlike a traditional cash-out refinance mortgage, homeowners using the FHA Streamline Refinance program cannot receive extra cash from the loan to use for expenses like home renovations, college tuition and paying off credit cards. In fact, borrowers are prohibited from taking more than $500 out of mortgages in this program.<\/p>\n\n\n\n

FHA Streamline Refinance mortgage insurance requirements<\/h3>\n\n\n\n

Because the FHA Streamline Refinance program is an FHA-insured mortgage, meaning the FHA will pay the loan if the homeowner defaults, homeowners are required to carry mortgage insurance on this loan, just as they did under the original mortgage. However, under a Streamline Refinance, there may be a reduction in those annual mortgage premiums.<\/p>\n\n\n\n

For all case numbers assigned starting Jan. 26, 2015, mortgages with terms of greater than 15 years and loan amounts of less than or equal to $625,000 with a loan-to-value (LTV) ratio less than or equal to 95%, the annual premium dropped from 130 basis points (bps) to 80 basis points, or 0.80% of the loan amount. For LTV ratios greater than 95%, the annual premium dropped from 135 basis points to 85 basis points, or 0.85% of the loan amount.<\/p>\n\n\n\n

For loans of more than 15 years and more than $625,000 with an LTV ratio less than or equal to 95%, the annual premium dropped from 150 basis points to 100 basis points, or 1% of the loan amount. If the LTV ratio is greater than 95%, the annual premium dropped from 155 basis points to 105 basis points, or 1.05% of the loan amount.<\/p>\n\n\n\n

For all FHA-insured mortgages endorsed on or before May 31, 2009, the annual mortgage insurance premium is 55 base points, or 0.55% of the loan amount, regardless of the base loan amount, mortgage term or LTV ratio.<\/p>\n\n\n\n

When refinancing through the FHA Streamline Refinance program, you may receive a refinance credit on the upfront mortgage insurance premium (MIP) paid on the original mortgage. This credit can be applied to the Streamline Refinance. Talk with your lender to ensure any credits you\u2019re due are received and applied to the new mortgage.<\/p>\n\n\n\n

Conclusion<\/h3>\n\n\n\n

Under the FHA Streamline Refinance program, the key benefits are reducing your interest rate and, maybe, the term of\u00a0your mortgage loan<\/a>. However, it\u2019s important to evaluate all of the pros and cons of the program before deciding if this mortgage product is right for you and your financial needs and goals.<\/p>\n\n\n\n

In fact, homeowners should shop for a mortgage refinance<\/a> product by looking at all their options rather than just settling for the FHA Streamline Refinance program.<\/p>\n\n\n\n

\u201cDon\u2019t just say, \u2018I am shopping for an FHA Streamline Refinance,\u2019 because that may not be the best product for you,\u201d he said. \u201cIt may turn out that the FHA Streamline Refinance is the best product for you, but you want to let that be a result of your search and not something that you preordained as you look to refinance.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

FHA Streamline Refinance When it comes to refinancing your mortgage, the process can become quite tedious, thanks to all the paperwork involved. That\u2019s why many homeowners turn to the FHA Streamline Refinance program. As the name implies, this mortgage product seeks to simplify the application process, something many homeowners find very appealing. n simple terms, the Federal … Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[8],"tags":[],"yoast_head":"\nFHA Streamline Refinance - Business Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessfinancenews.com\/fha\/fha-streamline-refinance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FHA Streamline Refinance - Business Finance\" \/>\n<meta property=\"og:description\" content=\"FHA Streamline Refinance When it comes to refinancing your mortgage, the process can become quite tedious, thanks to all the paperwork involved. 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I am now living in the United States. I have a house in Ontario, but I actually never go.\u00a0 I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.","sameAs":["https:\/\/businessfinancenews.com"],"url":"https:\/\/businessfinancenews.com\/author\/laidler\/"}]}},"taxonomy_info":{"category":[{"value":8,"label":"FHA Loans"}]},"featured_image_src_large":false,"author_info":{"display_name":"D Laidler","author_link":"https:\/\/businessfinancenews.com\/author\/laidler\/"},"comment_info":0,"category_info":[{"term_id":8,"name":"FHA Loans","slug":"fha","term_group":0,"term_taxonomy_id":8,"taxonomy":"category","description":"We explain the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-loan-requirements\/\" data-lasso-id=\"546\">FHA loan requirements<\/a> to obtain <a href=\"https:\/\/businessfinancenews.com\/fha\/\">FHA loans<\/a> in detail, with the <a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-loan-limits\/\" data-lasso-id=\"547\">current limits for this year<\/a>. We also go through the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-appraisal-guidelines\/\" data-lasso-id=\"548\">appraisal guidelines<\/a>, and moreover, we are worried about the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-peeling-paint\/\" data-lasso-id=\"549\">peeling paint and why it can be an issue<\/a>.\r\n\r\nCompleting forms is necessary, so we also study the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-case-number-format\/\" data-lasso-id=\"550\">number format of an FHA case<\/a>\u00a0and how to\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-ead\/\" data-lasso-id=\"551\">submit an FHA file<\/a>, how to complete the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/hud-92900-a\/\" data-lasso-id=\"552\">form HUD 92900<\/a>, the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-notice-to-homeowner\/\" data-lasso-id=\"553\">form for the FHA notice to the homeowner<\/a>, and the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-financing-addendum\/\" data-lasso-id=\"554\">FHA Financing Addendum<\/a>.\r\n<div id=\"ezoic-pub-ad-placeholder-633\" data-inserter-version=\"2\"><\/div>\r\nRegarding special housing programs, I would like to include the\u00a0<a href=\"https:\/\/businessfinancenews.com\/loans\/fha\/fha-back-to-work-program\/\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"555\">FHA Back To Work Program<\/a>.\r\n\r\nFurthermore, there are two conflicting situations that can occur that are the situation of a\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-conditional-commitment\/\" data-lasso-id=\"556\">conditional commitment<\/a>\u00a0and the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-identity-of-interest\/\" data-lasso-id=\"557\">identity of interest<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-inspection-requirements\/\">FHA inspection requirements<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-inspection-checklist\/\">FHA inspection checklist<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/how-long-does-an-fha-appraisal-stay-with-the-property\/\">How long does an FHA appraisal stay with the property<\/a>?\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-appraisal-red-flags\/\">FHA appraisal red flags<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-family-member-definition__trashed\/\">FHA Family member definition<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-home-loans-mason-city-ia\/\">What is an HOA loan<\/a>?\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-home-loans-mason-city-ia\/\">FHA Home Loans Mason City IA<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-lenders\/\">FHA lenders<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/who-pays-for-fha-inspection\/\">Who Pays For An FHA Inspection<\/a>?\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/are-fha-inspections-hard-to-pass\/\">Are FHA Inspections Hard To Pass<\/a>?\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-appraisal-re-inspection\/\">FHA appraisal re-inspection<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/what-wont-pass-fha-inspection\/\">What Won\u00b4t Pass An FHA Inspection<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-deck-railing-requirements\/\">FHA deck railing requirements<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-streamline-refinance\/\">FHA Streamline Refinance<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-loan-limits-for-vermont\/\">FHA Loan Limits for Vermont<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-mortgage-insurance\/\">FHA Mortgage Insurance<\/a>.","parent":0,"count":29,"filter":"raw","cat_ID":8,"category_count":29,"category_description":"We explain the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-loan-requirements\/\" data-lasso-id=\"546\">FHA loan requirements<\/a> to obtain <a href=\"https:\/\/businessfinancenews.com\/fha\/\">FHA loans<\/a> in detail, with the <a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-loan-limits\/\" data-lasso-id=\"547\">current limits for this year<\/a>. We also go through the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-appraisal-guidelines\/\" data-lasso-id=\"548\">appraisal guidelines<\/a>, and moreover, we are worried about the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-peeling-paint\/\" data-lasso-id=\"549\">peeling paint and why it can be an issue<\/a>.\r\n\r\nCompleting forms is necessary, so we also study the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-case-number-format\/\" data-lasso-id=\"550\">number format of an FHA case<\/a>\u00a0and how to\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-ead\/\" data-lasso-id=\"551\">submit an FHA file<\/a>, how to complete the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/hud-92900-a\/\" data-lasso-id=\"552\">form HUD 92900<\/a>, the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-notice-to-homeowner\/\" data-lasso-id=\"553\">form for the FHA notice to the homeowner<\/a>, and the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-financing-addendum\/\" data-lasso-id=\"554\">FHA Financing Addendum<\/a>.\r\n<div id=\"ezoic-pub-ad-placeholder-633\" data-inserter-version=\"2\"><\/div>\r\nRegarding special housing programs, I would like to include the\u00a0<a href=\"https:\/\/businessfinancenews.com\/loans\/fha\/fha-back-to-work-program\/\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"555\">FHA Back To Work Program<\/a>.\r\n\r\nFurthermore, there are two conflicting situations that can occur that are the situation of a\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-conditional-commitment\/\" data-lasso-id=\"556\">conditional commitment<\/a>\u00a0and the\u00a0<a href=\"https:\/\/businessfinancenews.com\/mortgages\/fha-identity-of-interest\/\" data-lasso-id=\"557\">identity of interest<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-inspection-requirements\/\">FHA inspection requirements<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-inspection-checklist\/\">FHA inspection checklist<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/how-long-does-an-fha-appraisal-stay-with-the-property\/\">How long does an FHA appraisal stay with the property<\/a>?\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-appraisal-red-flags\/\">FHA appraisal red flags<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-family-member-definition__trashed\/\">FHA Family member definition<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-home-loans-mason-city-ia\/\">What is an HOA loan<\/a>?\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-home-loans-mason-city-ia\/\">FHA Home Loans Mason City IA<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-lenders\/\">FHA lenders<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/who-pays-for-fha-inspection\/\">Who Pays For An FHA Inspection<\/a>?\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/are-fha-inspections-hard-to-pass\/\">Are FHA Inspections Hard To Pass<\/a>?\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-appraisal-re-inspection\/\">FHA appraisal re-inspection<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/what-wont-pass-fha-inspection\/\">What Won\u00b4t Pass An FHA Inspection<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-deck-railing-requirements\/\">FHA deck railing requirements<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-streamline-refinance\/\">FHA Streamline Refinance<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-loan-limits-for-vermont\/\">FHA Loan Limits for Vermont<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/fha\/fha-mortgage-insurance\/\">FHA Mortgage Insurance<\/a>.","cat_name":"FHA Loans","category_nicename":"fha","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/7712"}],"collection":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/comments?post=7712"}],"version-history":[{"count":6,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/7712\/revisions"}],"predecessor-version":[{"id":7843,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/7712\/revisions\/7843"}],"wp:attachment":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/media?parent=7712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/categories?post=7712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/tags?post=7712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}