FHA Refinance
Streamlined refinancing for FHA homeowners
The FHA Streamline Refinance makes it easy for current FHA borrowers to lower their rate and payment with minimal paperwork. No new appraisal required in most cases.
Key Features
- Reduced documentation requirements
- No appraisal required in most cases
- Lower monthly payments
- Fast closing process
Who Is This For?
Homeowners with an existing FHA loan who want to lower their rate or payment.
How It Works
Three steps from your first question to keys in hand.
Apply in minutes
Answer a few simple questions online — no credit check to get started.
We review your file
A licensed loan officer reviews your goals and matches you to the right program.
Close on your home
Sign your docs and get the keys — we handle the paperwork and lender coordination.
What You'll Need
A few basics get the ball rolling. Your loan officer will walk you through anything specific to the FHA Refi program.
Start My Pre-Approval- Government-issued photo ID
- Two most recent pay stubs or proof of income
- Last two years of W-2s or tax returns
- Two months of bank statements
- Property information (if you have a home in mind)
Frequently Asked
Answers to the questions we hear most about the FHA Refi program.
Do I need perfect credit to qualify?+
No. We work with a wide range of credit profiles and will help you find the right program for your situation — even if you've had bumps along the way.
How long does the pre-approval take?+
Most clients get pre-approved within 24 hours. The initial online form takes about 10 minutes to complete.
Is there a fee to apply?+
Applying and getting pre-approved is completely free. There's no obligation, and we never run a hard credit check until you're ready to move forward.
Can I lock my rate?+
Yes. Once you have an accepted offer, we can lock your rate to protect you from market swings while your loan is in underwriting.
Ready to Get Started?
Get pre-approved for a FHA Refi loan in minutes. No credit check, 100% free, no obligation.
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Zoom Home Lending, LLC — NMLS #2620616