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What is Streamline FHA Refinance?
The California FHA Streamline refinance loan programme is meant to lower current FHA mortgage borrowers’ interest rates and payments while also simplifying (streamlining) the refinancing procedure through the use of common sense qualification requirements.
A refinance with FHA streamline is easier to qualify for than a traditional FHA loan, with no income, credit, or property appraisal documentation necessary. With an FHA Streamline Refinance, homeowners can cut their annual mortgage insurance premium (MIP) or possibly get a partial return of their upfront MIP payment.
If you have a 30-year FHA mortgage, you can refinance into a shorter 30-year loan using the FHA Streamline. FHA borrowers with a 15-year loan can refinance into a 15- or 30-year loan.
Mortgage Refinance interest rates are affected by a borrower’s financial credentials.
Get the right Streamline Refinancing FHA today!
It’s simple to get approved for an FHA streamline refinance with CalSun Mortgage. We work hard on your behalf to handle the intricacies, and take pride in making the process as straightforward as possible for our clients. As a result, you’ll have less work to do and a smoother transition into your new house.
We are proud to service clients from across California, including Los Angeles, Orange, San Diego, and Ventura. Our qualified loan officers work hard on your behalf to secure a low rate that fits your budget.
You’re not just working with a terrific team when you work with CalSun Mortgage; you’re also investing in your future. At CalSun we work hard to provide our clients with the best possible solution for their needs that will positively impact their real estate future.


Efficiency, Simplicity, and Friendly Professional Service are the pillars and core of our organization. We are committed to deliver what we promised.

FAQ's
On an FHA Streamline Refinance, the borrower is responsible for the closing costs. You can’t incorporate these expenses into your loan amount like you may with other forms of refinances. Closing costs for FHA Streamline loans are normally the same as other mortgages.
However, with a Streamline FHA refinance, you won’t have to pay for an appraisal which ultimately saves your money.
The FHA Streamline Refinance does not remove mortgage insurance from the equation. Annual mortgage insurance is still required for refinanced FHA loans, as well as a new upfront mortgage insurance premium of 1.75 percent of the loan amount.
The upfront cost is added to the total amount of your loan. If you use the FHA Streamline Refinance within three years of getting your loan, you’ll get a return of a portion of your original UFMIP cost, bringing your overall mortgage amount down.
Your current home loan must be FHA-insured to qualify for an FHA Streamline Refinance. In addition, the FHA needs three months of on-time payments and a 210-day waiting period since your last closing date (either purchase or refinance). Finally, there must be a reason for the Streamline Refinancing FHA.
The FHA Streamline does not, technically, need a credit check. That means homeowners could use the Streamline Refinance even if their credit score has dropped below the FHA lending threshold of 580.
Borrowers cannot cash out on Streamline FHA refinance.
Streamline Refinances are available to FHA homeowners 210 days after their previous closing. That implies you must have made six consecutive mortgage payments since purchasing or refinancing your house.
Yes, the FHA Streamline Refinance can be used multiple times. All you have to do is meet FHA’s requirements.
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