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FHA Refinance Loan

For homeowners interested in the benefits of refinancing a home using the FHA loan program, you might be pleasantly surprised at just all the advantages you'll find. With an FHA refinance loan, the program allows homeowners to take advantage of low fixed interest rates that aren't required to increase based upon your loan-to-value or the reason you're wanting to Refinance. Try doing that with a conventional loan!

Under the FHA Loan program, homeowners who have a single family home, condominium, Mobile Home, townhome or other qualifying property, can use the FHA program as a refinance tool. The FHA program comes with no prepayment penalty and can allow you to refi out of a higher risk Sub-Prime (Bad Credit Loan), Adjustable Rate Mortgage, or other type of loan product, to an FHA program without having to jump through a whole lot of hoops. 

To learn more about refinancing your home using an FHA loan, just give us a call, or use our fast and easy Quick Mortgage Application to apply online.

Advantages of Refinancing With An FHA Loan

Just some of the many advantages of using the FHA loan as a refinance vehicle for your home include;

  • Easy, low cost ability to refinance using the FHA Streamline program. This saves you time and money when;
    • Interest rates drop;
    • You want to refi from an adjustable FHA loan to a fixed rate loan;
    • You want to refinance from a 30 year Fixed Rate to a 15 year loan term.
    • This no qualifying streamline feature makes looking at the FHA program well worth your time!
  • Up to 97% LTV for rate and term mortgage refinances.
  • Consolidate a first mortgage and Second Mortgage into a single loan!
  • NO minimum credit score requirements for qualifying!
  • Very competitive rates Vs. those available through traditional mortgage financing programs.
  • Less restrictive income and credit qualification requirements.
  • Closing Costs regulated by FHA.
  • More pre-foreclosure intervention programs. If you fall behind on your mortgage sometime in the future, and get in a position to make regular monthly payments, you'll have more options to save your home including grants from HUD. You'll not have these opportunities with a conventional loan!!!! (If you're presently in foreclosure on a conventional or Sub-Prime loan, please refer to our FHA Secured Loan page for more information on how we may be able to assist you.)

There really are many more advantages to refinancing your mortgage using the FHA Loan! We believe this short list shows you why refinancing with us means we can offer most homeowners many benefits currently not available using a traditional home loan.

If you're currently a homeowner and would like to discover all the options available to you for using the FHA loan program, including our FHA Cash Out Loan options, just give us a call today or complete our online Quick Mortgage Application


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