HUD - FHA Refinance Programs

You do not have to currently be in an FHA loan for us refinance you into an FHA loan.  Increased loan limits allow you to get a great low rate on loan amounts up to $729,750 in some counties (Check out the new loan limits for your county). 

Refinance up to 97.75% of your home's value.  Most sub-prime (people with 'damaged credit')  qualify for an FHA loan.

Apply Now and you will be able to learn if you qualify to refinance your mortgage into a fixed FHA mortgage with no out of pocket closing costs. This means that with the help of FHA, you may be able to refinance your home into a lower monthly payment and be assured that your monthly principle and interest payments will never increase.

With the number of homeowners applying daily, it is important for you to act quickly, so please, Apply Now so that our FHA Mortgage Specialists can help you, today.

Some advantages of using a FHA mortgage for your mortgage refinance are as follows:

• Cash-Out Refinance up to 97.75% for existing or new FHA mortgages.

• Cash-Out up to 97.75% of your properties value.
• Consolidate first and second mortgages into single loan.
• Bill consolidation programs.
• Easier credit and income qualifications.
• FHA  regulated closing costs.

• Rate and Term Mortgage Refinancing up to 97% of your homes value.

• Consolidate first and second mortgages* into a single loan.
• No FICO score or credit score requirements
• Competitive rates for borrowers with a Bankruptcy older than two years.
• Competitive rates for borrowers with a Foreclosure older than three years.
• Easier credit and income qualifications.
• FHA regulated closing costs.

• FHA Streamline Refinance for existing FHA loans only.

• No Cost Interest Rate Reductions programs.
• No Income or Credit Qualifications*.
• Zero cost refinance options available.
• Easily switch amortization for adjustable to fixed or vice versa.
• Easily shorten or lengthen term of your existing loan.
• Easier credit and income qualifications.

• FHASecure Refinance with current mortgage lates.

• Refinance your mortgage at competitive rates even with mortgage lates, if directly due to adjusting mortgage.
• Qualify for refinance even if currently in foreclosure.
• Complete details of FHASecure loan.

Mortgage refinancing with a FHA loan is easy and advantageous for most homeowners. If you currently own a home and would like to discover your refinance options, please click here for a >> free mortgage refinance quote

ILearn about the types of FHA programs that are available for your mortgage refinance, please click on the type of loan your would like below

• FHA Fixed Rate Loan - 15 and 30 year amortized loans.

• FHA Adjustable Loan (ARM) - 15 and 30 year amortized loans.

• FHA Buydown Loan -15 and 30 year amortized loans.

Need advice? Contact a HUD-approved housing counselor or call
(800) 331-4715.