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Before I go tell you why they’re doing it (it has nothing to do with the goodness of their hearts), let me mention that the FHA Streamline Refinance can be done without a new appraisal. Even if half of your home’s value’s gone. Yes, Yep, it’s true. The house you bought with $250,000 can be worth now $175 Deryk Engelland Womens Jersey ,000 and you can still get a new mortgage under the FHA Streamline Refinance Program.


and refinancing gets you a ‘net benefit.’. ‘Net benefit’ is defined as: Here’s how FHA defines ‘net benefit:’


1. you have an ARM (Adjustable Rate Mortgage) and are refinancing into a Fixed Rate Mortgage


2. Refinancing gets you a mortgage with payments that are at least 5% lower than your current payments.


Why is FHA doing this if it’s not out of the goodness of their hearts? Because they’re already insuring an FHA loan for you. Remember that the new payments must be 5% smaller. In other words, FHA is letting you let them reduce their risk. I don’t know how many fewer people will default on their FHA-insured loan if their monthly payments are at least 5% lower but I’m positive it’s going to be fewer.


Truly, the FHA Streamline Refinance Program is a great thing. Truly, it’s a pity all lenders aren’t doing something like it with all their mortgage loans. It really is a win-win situation. Of course, some of them have been winning like crazy lately, so they might not care. Of course Marc-Andre Fleury Womens Jersey , some of them haven’t. You’d expect at least those to follow suit. But this is digressing from what’s important for you, namely, reducing your monthly payments and, so, making your life easier.


In the Chicago area? Need to refinance an FHA mortgage? As you’ve seen, FHA Streamline Refinance is a great way to go. Check out the FHA mortgage rates James Neal Womens Jersey , maybe the time is right for you to go ahead and do it.


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