FHA Streamline Refinance
If you already have an FHA loan on a home in California or Georgia, an FHA Streamline Refinance may allow you to lower your payment with less paperwork than a traditional refinance.
This page explains how FHA Streamlines work and how they differ from a standard rate-and-term refinance.
What Is an FHA Streamline?
An FHA Streamline Refinance is designed for existing FHA borrowers who want to improve their rate or payment with a simplified process.
- Available only for current FHA loans
- Often reduced documentation requirements
- In many cases, no appraisal is required
Who Is an FHA Streamline Best For?
It may be a good fit if you:
- Currently have an FHA mortgage
- Are current on your payments
- Want to reduce your rate or switch from an ARM to fixed
FHA Streamline vs Standard Refinance
Compared to a standard refinance, an FHA Streamline:
- Is usually faster and less document-heavy
- May have limits on cash back at closing
- Focuses on reducing payment or improving terms, not cash-out
For broader options, review the Refinance Overview or Cash-Out Refinance pages.
Next Steps: See If You Qualify for an FHA Streamline
We’ll verify your current FHA loan details, payment history, and goals to see whether an FHA Streamline is your best path or if another refi type makes more sense.