FHA Mortgage Refinancing

Shop FHA Mortgage Rates for 15 or 30 Year Terms

Check out the government refinance programs created to help consumers with good and bad credit lower their interest rates and save money. Compare FHA mortgage rates, terms and get helpful guidance with government loans. FHA mortgages are great for homeowners shopping for a reliable fixed rate loan.

Whether you choose a rate and term FHA refinance, streamline or FHA cash out, you will be getting a new mortgage with a competitive interest rates, flexible terms and minimal closing costs because the Department of Housing and Urban Development and the U.S. Congress has oversight on this program that guarantees a great mortgage product.

Homeowners like the Federal Housing Administration's loan programs because of the easy credit guidelines and minimal LTV requirements.

FHA mortgage refinance loans are insured by the government but are offered to consumers by FHA lenders who are FHA approved to extend credit for refinance and purchase mortgage liens with residential collateral.

Borrowers can select from a variety of FHA refinance loans, like the streamline refinance, the traditional FHA refinance and the cash out mortgage refinance.

Get the Best Mortgage Rates on FHA Refinance Loans for Cash Back or Lower Mortgage Payments

Get help finding variable and fixed FHA refinance rates with1/1, 3/1, 5/1, 7/1, 10/1 ARM's and 15 and 30-year fixed terms. All types of credit will be considered.

FHA Refinance Loan Highlights

• Maximum CLTV 96.5% for Purchase or Rate and Term Refinance
• FHA Loan Amounts range from $271,000 to $729,750 (based on HUD high cost limits in county)
• No Minimum Credit Score on FHA Loans
• No Closing Costs with FHA Streamline
• 85-95% LTV when receiving cash back
• Maximum Debt to Income - 43- 55% depending on equity and credit history
• Documentation Types - Full or Limited with FHA Loan Programs

• Consolidate all your loans and debts into FHA mortgage
• Refinancing with FHA into a fixed rate mortgage
• If you don't qualify for FHA mortgage refinancing because of lack of equity, ask about the HARP mortgage that now has no loan to value restrictions when refinancing liens owned by Fannie Mae or Freddie Mac.

30-Year Amortization Term

• 30-Year Fixed Interest Rates
• Maximum CLTV 85% to 97%
• No Fees for Early Pay-Off
• FHA Streamline Refinance OK

15-Year Amortization Term

• No mortgage insurance for 15 year terms under 90% Loan to Value
• See Today's 15 Year Mortgage Loans

One of the best ways to raise your credit scores is to include your unsecured debts into your loan when refinancing. The FHA mortgage refinance program allows consumers to refinance credit cards into the new mortgage. (85- 95% cash back refinancing depending upon mortgage payment history and debt to income levels. Consider the FHA refinance loans, as these government insured loans have been helping homeowners since 1934. Check FHA Loan Limits on your region. Helpful home financing information for credit, terms and loan approvals In most cases with FHA refinancing, your monthly payments will be reduced. If you are sick of being turned down because you have low credit scores, give our lenders a try, because they offer second chance loans to qualified borrowers looking to consolidate debt or refinance for a better interest rate. How to Get a No Cost Mortgage Refinance Loan How to Refinance a Mortgage after a Bankruptcy

Don't miss this opportunity to lock into an affordable loan payment while FHA mortgage rates are below 5%. Even though, FHA implemented a minimum credit score, you can still qualify for FHA refinancing with credit scores as low as 500. Find out how to get a better fixed rate mortgage.

Refinancing with FHA is the best method for qualifying using all of your past and present compensating factors rather than relying solely on a fico score like most conventional home mortgages. Check FHA Loan Limits for state by state maximum loan amounts dictated by HUD.

• Make adjustable interest rate loans disappear with fixed FHA mortgage rates
• Consolidate mortgage and credit line and refinance into one loan with a lower mortgage payment
• Refinance FHA mortgages
• Save Money with Consolidation of Debts in a FHA Refinance
• Bad Credit FHA Refinance with a Minimum Score of 500
• Finance Home Improvements
• Cash back refinancing to 85%