FHA Streamline Refinance: Your Best
Refinance Option?

Situations change, so FHA streamlined loans offer flexibility. If you already have a FHA mortgage, the FHA Streamline Refinance allows you to fine-tune your mortgage terms with reduced requirements including no appraisal reports, no income documentation and a limited credit review. You can lower your interest rate, monthly payments or reduce your mortgage term.

Better still: M&T Bank makes the refinancing process easy to understand and simple to complete. Scroll down to learn more about a FHA Streamline Refinance or Talk to an expert, utilize our easy loan wizard to explore rates and payments or get approved now.

The Good Stuff

Here are the top perks you may expect if you select a FHA Streamline as your refinance loan choice.

Lower Interest Rates

Want to lock into better numbers? A streamlined FHA refinance allows you to lower your rate quickly and efficiently. You'll wonder why you waited so long to do this.

Lower Monthly Payments

If your monthly payment is too high, no worries. Streamlined refinances can help you lower your monthly payment and enhance your financial situation.

Few To Zero Out-Of-Pocket Costs

Get ready to be excited to learn that streamline refinances come with few (maybe even zero) out-of-pocket costs. Chalk up another win. You can even get approved for a refinance online now.

Low Credit Requirements

Streamlined refinances are designed to help homeowners fine-tune their future. This option is available for consumers with a variety of credit scores. One of our loan professionals can quickly determine if your credit score allows you to qualify. Talk to an expert now.

Downsized Documentation Requirements

To make the streamlined refinance process simple and efficient, you won't have to submit piles of paperwork to get approved. We'll clearly outline the little bit of documentation we do need to get you on your way.

No Appraisal Required

Even if your home's value today is less than it was when you purchased it, you're in luck. The FHA Streamline Refinance does not require a new appraisal to establish current value. Instead, you may use your home's original purchase price to qualify.

The Nuts And Bolts

For a non-credit qualifying FHA Streamline Refinance, income and assets verifications are not required.
A FHA Streamline Refinance does not require a new appraisal to determine your home's value, which is great news if your home's value today is less than its original purchase price.

More Details And Specifics

You need to have a FHA mortgage in place to qualify for a FHA Streamline Refinance.
Available with fixed and adjustable rate options.
Eligible properties include Single Family Residences and approved Planned Unit Developments (PUDs) and Condos.

A Few Extras

To be eligible, only one mortgage late payment in the last 12 months and zero late payments in the most recent 6 months are allowed.
Want to tie things up quickly? Pay off your mortgage at any time without prepayment penalties.

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FHA Streamline Refinance: Fine Tune Your Terms

FHA Streamline Refinance: Your Best Refinance Option?