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FHA REFINANCE: STREAMLINED REFINANCING

If you have an existing FHA mortgage, we have good news for you!  
In April 2011, the Federal Housing Administration, as the government-backed
insurer of mortgages most favorable to borrowers, loosened its guidelines.

The FHA Streamline Refinance program's defining characteristic is that
it does not require a home appraisal. Instead, the FHA will allow you to use
your original purchase price as your home's current value, regardless of
what your home is actually worth today.  As long as your current
FHA mortgage is in good standing and current,
no income or credit qualifying apply.

In the words, with its FHA Streamline Refinance program, the FHA
does not care if you are underwater on your mortgage. In fact, the program
encourages it. Even if you owe twice what your home is now worth,
the FHA will refinance your home without added cost or penalty.






Beyond the "no appraisal" part, though, an FHA Streamline Refinance
mortgage is similar to most other loan products. It's available as fixed rate
or adjustable mortgage; it comes with 15- or 30-year terms;
and there's no prepayment penalty to worry about.

The Streamline Refinance loan doesn't allow for cash out, but you may qualify
for a standard FHA cash out refinance up to 85% LTV.  If you do not presently
have an existing FHA mortgage, you'll qualify for the standard FHA
rate and term, no cash out refinance up to 97.75% LTV.

Allow our expert FHA loan specialists to guide you through all the options!
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Mortgage Refinance Loans
Rates are the lowest they've
been in close to 30 years.
Refinance now to get a lower
rate, turn your adjustable into a
fixed rate and get cash out!
FHA REFINANCE
Homeowners enjoy the benefits of investing
in their property year after year. For some,
there comes a time when that investment
can come in handy. Refinancing with an
FHA loan can prove to be an effective way
to put that equity to work. Keep in mind
that FHA refinancing is only available to
homeowners who are currently using
their home as their principal residence.

FHA CASH-OUT
This refinancing option is especially
beneficial to homeowners whose
property has increased in market value
since the home was purchased.
A Cash Out refinance allows homeowners
to refinance their existing mortgage
by taking out another mortgage
for more than they currently owe.

FHA STREAMLINE Learn More
This refinancing option is considered
streamlined because it allows you to
reduce the interest rate on your current
home loan quickly and oftentimes
without an appraisal. FHA Streamlined
Refinance also cuts down on the
amount of paperwork that must be
completed by your lender saving you
valuable time and money.

FHA INSURANCE
.FHA insured loans require mortgage
insurance to protect lenders against
losses that result from defaults on
home mortgages.

FHA LOAN LIMITS
FHA lending limits vary based on a variety
of housing types and the state and county
in which the property is located.
The FHA refinance loan is a great mortgage
option for homeowners who want to tap
into their home equity and use the funds
for other personal needs.
FHA loan program -- FHA Loans and FHA Jumbo loans
FHA HOME LOANS - FHA Loan Information - FHA Loans
FHA loan requirements and guidelines are simple and easy to understand. Prepare for your
FHA home loan with some important steps to make sureyou can afford the mortgage.
Did You Know...?

The FHA, or Federal Housing
Administration, provides mortgage
insurance on loans made by FHA
approved lenders. FHA insures these
loans on single family and multi-family
homes in the United States
and its territories. It is the largest
insurer of residential mortgages in
the world, insuring tens of
millions of properties since 1934
when it was created.

The FHA wants you to get the loan
amount you are qualified for and
sets up conditions to allow you to
successfully buy an FHA home.

One
major mistake potential
homebuyers can make when
applying for an FHA home loan
is to make a major credit purchase.
Don't cloud your debt-to-income ratio
with a big purchase before applying
for your loan.

To pre-qualify for an FHA loan,
you should be able to demonstrate
employability, job stability and reliability.
Home Purchase Loans
Find the perfect purchase mortgage
loan.  Choose from FHA, VA, USDA
Rural, as well as Jumbo Loans (FHA
VA included) up from 719,000 to
$10,000,000.  The Big Loan is Back!
Home Equity Loans
Cash out your equity now
for debt consolidation, home
improvements, paying off
debts or anything else you
want with your home's equity!