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The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you a better loan.

The FHA offers a streamline refinance on insured mortgages. The term "streamline" refers to the amount of documentation required.

The Benefits of a FHA Streamline Refinance

Appraisal usually not required
Very little paperwork
No credit check, income verification, employee verification, or underwriting fees
Easily increase or decrease the length of the term of your existing loan
Take advantage of current low interest rates at 3.75%
Little or no out-of-pocket costs

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What's an FHA Loan?

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We provide consumer based home mortgages including refinancing, home equity lines of credit and new home purchasing.

Rate displayed assumes that you are buying or refinancing an owner-occupied single family home, an escrow account will be established, all borrowers have credit scores of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 75% or less. The Annual Percentage Rate (APR) is based on a minimum loan amount of $200,000 and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires.

All payments are for principal and interest only and do not include any other monthly fees including, but not limited to, property taxes, homeowners insurance and homeowners dues. Payments referenced above are based on a 5/1 adjustable rate mortgage product which is amortized over 30 years.

5 YEAR RATE GUARANTEE DISLCOSURE

* If rates drop, loanDepot will waive the lender's fee of (up to) $1595 and provide a free appraisal (up to $395) on your future refinance.

Refinancing within the 60 month period is conditional on whether the program type or applicable state/federal laws contain "seasoning" restrictions that would make refinancing during a specific period illegal. For example, waiting until after the 12th month, but before the 60th month may be required. Your loan approval for the future refinance is not guaranteed. You must fully qualify for the selected refinance and meet all the requirements of the loan program you select at the time you apply for the refinance. The appraised value of your home for the future refinance is not guaranteed. There must be a full appraisal of your home when the new refinance is requested and the value at that time must be acceptable for the program and loan terms you request. The interest rate for the future refinance is not guaranteed. You will have to qualify for the loan requested, and will be quoted the interest rates in effect at the time of your next refinance.

The "lowest fees guarantee" means that loanDepot will meet or beat any legitimately provided, GFE -based offer from any other lender. To obtain this guarantee, loanDepot must be provided with a valid, authentic and legitimate Federal Good Faith Estimate (no worksheets will be accepted) from another national or regionally licensed Direct Lender (no brokers). If that Good Faith Estimate (GFE) shows lower total gross fees when compared to the fees disclosed by loanDepot.com; loanDepot.com will lower their fees to meet or beat the fees disclosed on the other lender's GFE. loanDepot reserves the right to validate the authenticity and legitimacy of the GFE used to obtain this guarantee.