🔁 FHA Refinance Loans

“Refinance fast — no income docs, no appraisal, no stress.”

The FHA Streamline Refinance is built for speed. If you already have an FHA loan, this program can reduce your monthly payment with minimal paperwork — no appraisal, income verification, or full credit check required in many cases.

✅ Benefits of FHA Streamline

  • No appraisal required (in most cases)

  • No income or employment verification

  • Fast, simplified approval process

  • Skip the credit check (sometimes optional)

  • Lower monthly payments and interest rates

📌 You must currently have an FHA loan to qualify.

💰 FHA Cash-Out Refinance

“Turn your home’s equity into breathing room.”

The FHA Cash-Out Refinance allows you to refinance into an FHA loan while pulling cash from your equity. Whether you're paying off high-interest debt, covering medical bills, or making home improvements, this program offers a flexible, accessible path forward.

✅ Benefits of FHA Cash-Out

  • Borrow up to 80% of your home’s value

  • Refinance out of non-FHA loans

  • Access cash for debt, emergencies, or renovations

  • Flexible credit and income guidelines

  • Especially helpful for high DTI borrowers

📊 FHA Refinance Comparison

Program Best For Learn More
FHA Streamline Refinance Current FHA borrowers lowering payments FHA Streamline Refi
FHA Cash-Out Refinance Accessing equity or exiting a non-FHA loan Cash-Out Refinance
FHA to Conventional Refi Removing MIP & switching to conventional Conventional Refi


🧠 Who’s a Good Fit?

You may qualify for an FHA refinance if:

✔️ Your credit score is 580 or higher
✔️ You’re struggling with debt payments or want to lower your rate
✔️ You have equity in your home
✔️ You currently have an FHA loan (for streamline)
✔️ You’ve had recent financial setbacks but want to rebuild

💬 Even if you've been turned down elsewhere, FHA may still be a path forward.

🧾 What You’ll Need

Document Required For
ID + Social Security number All FHA refinance types
Mortgage statement All
Pay stubs + W-2s Cash-out refinance only
Bank statements (2 months) All
Homeowners insurance policy All
Credit report Cash-out refinance only

 

🔗 Related Pages

🚀 Let’s Rebuild Your Financial Foundation

Whether you’re looking for a fast monthly payment drop or need to access equity, we’re here to help. We specialize in helping credit-challenged borrowers refinance with clarity and confidence.

🔵 [Apply for FHA Refinance]
📞 [Talk to a Refinance Specialist]
📈 [See If You Qualify]

 

🔒 Disclosure

This is not a commitment to lend. All FHA refinance programs are subject to credit approval, FHA guidelines, and underwriting review. Streamline refi requires existing FHA loan. Cash-out requires a new appraisal and full income review. Not all borrowers will qualify. Additional restrictions may apply.

APPLY NOW!