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Are You Eligible To Refinance Your Mortgage?
It's an excellent time to be a U.S. homeowner.
Home values are climbing and have recovered all of last decade's losses; mortgage lenders are approving more home loans than during any period since 2006; and, financing continues to be dirt-cheap for those in search of a home loan.
Mortgage rates continue to troll near all-time bests, putting millions of U.S. homeowners "in the money" to do a home loan refinance.
In today's simpler mortgage market, demand for streamlined, "no appraisal" refinance loans have flourished, including the HARP 2 program and the VA Streamline Refinance.
These particular reduced-documentation programs -- and others like them -- have made the process of refinancing simple.
Need to choose the best streamlined refi for your home? Use this guide below as your starting point. If you are ready to speak with a licensed professional now please fill out the form.
Streamline Refinance Types : How They Compare
There are multiple refinance types available to today's homeowners but among the most popular is the streamline refinance.
"Streamline refinance" is a generic term for a refi which requires less documentation than a typical home loan refinance. Because of this feature, streamline refinances are sometimes called "low-doc" loans.
Streamline refinances are known by different names, depending on the federal agency which offers it.
HARP (For Fannie Mae And Freddie Mac Loans)
The HARP program is available for limited time. HARP loans won't be available after December 31, 2018 unless the program is extended via the White House's "Better Bargain For U.S. Homeowners" plan -- a plan which is sometimes known as HARP 3.
There is no timetable for the passage of HARP 3. It may never happen at all.
FHA Streamline Refinance (For FHA Loans)
The FHA Streamline Refinance is a refinance program available to homeowners with FHA-insured mortgages.The eligibility requirements for the FHA Streamline Refinance are as follows :
VA Streamline Refinance / IRRRL (For VA Loans)
The VA Streamline Refinance program is available to homeowners with VA-guaranteed mortgages.
The program's official name is the Interest Rate Reduction Refinance Loan (IRRRL) and it's backed by the Department of Veterans Affairs.
USDA Streamline Refinance (For USDA Loans)
The USDA Streamline Refinance program is available to homeowners with USDA-guaranteed home loans. The program is currently in "pilot", and is not available to everyone.
The eligibility requirements for the USDA Streamline Refinance are as follows :
USDA Streamline Refinance program.
The USDA Streamline loan is available at Smart Mortgage Centers.
Streamline refinance rates are comparable to "regular" mortgage rates. The advantage is the lack of required documentation, the waiving of appraisal, and the expedited time frame for closing.
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