FHA Streamline Refinance

A Fast Track to a Lower FHA Payment

The FHA Streamline Refinance

What are FHA Streamline refinance loans?

An FHA Streamline is a special refinance program exclusively for homeowners who already have an FHA-insured mortgage. It replaces the existing loan with a new FHA loan solely to lower the rate, change the term, or move from an ARM to a fixed rate.

Benefits of an FHA Streamline Refinance

Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Frequent Questions Regarding FHA Streamline Refinance

Can I roll closing costs into the new loan? Yes — as long as the new principal does not exceed the unpaid balance of the old loan plus financed upfront MIP.
Will I need a new appraisal? Not for standard Streamlines. Your current payoff statement substitutes for a value, so even negative-equity borrowers can qualify.
Do I start my MIP clock over? Yes. You’ll pay the upfront premium again (less any refund) and continue to pay annual MIP for 11 years or the life of the loan, depending on the new LTV.
How soon after my last refinance can I streamline again? Each new FHA Streamline must meet the same seasoning rule: at least six payments made and 210 days elapsed since the first payment due date.

Let's Talk FHA Streamline Refinance

Find Out More

Interested in a FHA Streamline refinance loan? Submit your information.

Contact Information
Additional Information
American Neighborhood Mortgage Acceptance Company, LLC dba AnnieMac Home Mortgage ("Company," "We," or "Us") seeks your consent to contact you with certain non-emergency, automated, autodialed, prerecorded, or other informational and telemarketing phone calls or text messages under the Telephone Consumer Protection Act (“TCPA”). By selecting "Submit," you are providing your electronic signature and thereby authorize Us, our service providers, and/or our affiliates to contact you and any joint applicant at the home phone and/or mobile number listed above, and you agree such contact may be made using an automatic telephone dialing system (ATDS) or artificial prerecorded voice. Further, by selecting "Submit," you acknowledge and agree that: you are not required to grant your consent as a condition of buying any property, goods, or services; you may revoke your consent at any time by calling (888) 636-1335 or by emailing Privacy_OptOut@annie-mac.com; Message and data rates may apply.