FHA Streamline Refinance
No Appraisal, Lower Payment
Lower your FHA payment with no appraisal and no income verification. 6+ on-time payments required. Close in 20-30 days with minimal closing costs.
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Refinance
Why choose FHA Streamline
The simplest, fastest way to lower your FHA payment. Zero paperwork hassle.
No Appraisal
Works even if home lost value
No home inspection, no waiting for appraiser. Perfect even if you owe more than your home is worth or the market has dropped.
No Income Verification
Zero tax returns
No pay stubs, W-2s, or tax returns required. Perfect for self-employed, retired, or anyone with a job/income change.
Minimal Closing Costs
Close 20–30 days
Lower costs than standard refinance. Roll costs into the loan for $0 out of pocket. Close fast and start saving immediately.
How it works
Get your quote
Chat with our FHA specialist or fill out the quick form. We’ll calculate your new payment and potential savings.
Minimal docs
No appraisal, no income docs. Just basic loan paperwork. We handle everything and keep you updated.
Close & save
Sign documents and close in 20–30 days. Your lower payment starts immediately.
FHA Streamline Requirements
Check these requirements to see if you qualify:
Ready to lower your FHA payment?
Get your personalized FHA Streamline quote in 60 seconds. No appraisal. No credit impact. No obligation.
FHA Streamline FAQs
What is an FHA Streamline refinance?
FHA Streamline is a simplified refinance for existing FHA borrowers. It requires no appraisal, no income verification, and minimal documentation. You must have made at least 6 on-time payments on your current FHA loan, and the new loan must provide a “net tangible benefit” (lower payment or move from ARM to fixed).
Do I need an appraisal for FHA Streamline?
No! FHA Streamline does not require an appraisal. This makes it perfect even if your home has lost value or you owe more than the home is currently worth. The loan is based on your existing FHA loan balance, not current home value.
Do I need to verify my income?
No. The standard FHA Streamline (non-credit qualifying) requires NO income verification. No pay stubs, W-2s, or tax returns. This makes it ideal for self-employed borrowers, retirees, or anyone who has had a job change or income decrease.
How many payments do I need to have made?
You must have made at least 6 payments on your current FHA loan, and it must be at least 210 days since your first payment. You also cannot have more than 1 late payment (30+ days) in the past 12 months.
How long does FHA Streamline take?
Most FHA Streamline refinances close in 20–30 days. Because there’s no appraisal or income verification, the process is much faster than a standard refinance.
What are the costs?
Typical closing costs for FHA Streamline are $2,000–$4,000. This includes a 1.75% upfront mortgage insurance premium (MIP), title fees, escrow, and lender fees. You can roll these costs into the new loan so you pay nothing out of pocket.
Can I get a FHA Streamline in California?
Yes. LoanAll.com is a licensed California mortgage broker (CA DRE #01212512, NMLS #2787839) and handles FHA Streamline refinances throughout the state. Use Form Instead → for a free quote.
Quick FHA Streamline Quote
Fill out the form below and we'll calculate your new payment and savings.
LoanAll.com · CA DRE #01212512 · NMLS #2787839
Licensed California Mortgage & Real Estate Broker
888-421-1117 · info@loanall.com
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