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Fha streamline refinance worksheet 2025

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The document outlines the Maximum Mortgage Worksheet for FHA Streamline Refinance transactions, applicable to case numbers assigned on or after April 18, 2011. It details eligibility criteria, including restrictions on certain loan types and requirements for credit qualifying streamline refinances with and without appraisals. Additionally, it specifies documentation needed for income certification based on different income types, emphasizing the importance of net tangible benefits and compliance with FHA guidelines.

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Click ‘Get Form’ to open the FHA Streamline Refinance Worksheet in the editor.
Begin by entering your Loan/Case Number at the top of the form. This is essential for tracking your application.
Review the eligibility criteria listed, ensuring your transaction meets all requirements before proceeding.
Fill out the Credit Qualifying Streamline Refinance section if applicable. Calculate and enter values for Unpaid Principal Balance, Allowable Borrower Paid Closing Costs, and any MIP Refunds.
For Streamline Refinances without Appraisal, ensure you accurately input the Unpaid Principal Balance and MIP Refunds as specified.
Complete the Net Tangible Benefit section by providing current and new note rates along with payment calculations to confirm eligibility.
Lastly, gather and attach required documentation for income certification based on your employment type as outlined in the form.

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What are the guidelines for an FHA streamline refinance?

The basic requirements of a streamline refinance are: The mortgage to be refinanced must already be FHA insured. The mortgage to be refinanced must be current (not delinquent). The refinance results in a net tangible benefit to the borrower.

Does an FHA streamline refinance require an appraisal?

FHA streamline refinance costs may be similar to the closing costs you see associated with other FHA refinances or conventional loans however an appraisal is not typically required unless an appraisal fee is not collected.

Can you refinance without an appraisal?

No-appraisal refinancing replaces an existing mortgage on a residence and does not require a new home value assessment. Homeowners typically choose no-appraisal refinancing when they are unlikely to qualify for a new standard loan.

Does FHA require appraisal?

Do FHA loans 2 require an appraisal? You have to get an FHA home appraisal if youre planning to refinance or use an FHA loan to buy a house. In most cases, your lender orders the appraisal after you sign an application and have a fully executed contract with the seller on a purchase loan.

What credit score do you need for a FHA streamline refinance?

Technically, the FHA Streamline does not require a credit check. That means homeowners could potentially use the Streamline Refinance even if their credit score has fallen below the 580 threshold for FHA loans. However, some lenders may check your credit report anyway.

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Do you need an appraisal for an FHA streamline refinance?

No home appraisal requirement: With a conventional refinance, a home appraisal is required. With a FHA streamline refinance, youre not typically required to provide one.

What are the current FHA streamline refinance rates?

Todays FHA Streamline Rates FHA Streamline 15 Year Fixed. 6.000% 6.623% 0.778. FHA Streamline 20 Year Fixed. 5.750% 6.575% 0.935. FHA Streamline 30 Year Fixed. 5.750% 6.403% 0.935.

Fha streamline refinance worksheet 2025

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What are the guidelines for an FHA streamline refinance?

Does an FHA streamline refinance require an appraisal?

Can you refinance without an appraisal?

Does FHA require appraisal?

What credit score do you need for a FHA streamline refinance?

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Do you need an appraisal for an FHA streamline refinance?

What are the current FHA streamline refinance rates?

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