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The FHA Streamline Refinance is a mortgage refinance program that requires no verification of income, no verification of employment, no checks of a credit score; and, requires no home appraisal as part of the loan approval process.

The program is sometimes called the FHA-to-FHA refinance.

FHA Streamline Refinance loans are available to homeowners with an existing FHA Mortgage. They’re among the simplest ways for a homeowner to lower their mortgage rate and payment.

Homeowners must only meet two standards to get FHA Streamline Refinance-approved:

  1. Show that your mortgage payments have been mostly on-time over the last 6 months.
  2. Show that the refinance will give you a lower monthly payment than what you have now

Income verification or bank statements aren’t required. Negative changes in home value aren’t considered as well.

You can even get approved if you’re out of a job or newly self-employed.

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