Refinanciación optimizada de la FHA
¿Desea reducir sus pagos hipotecarios mensuales de la FHA? Un refinanciamiento FHA Streamline puede ser la solución para usted. Este préstamo de refinanciamiento está diseñado para propietarios de viviendas con un préstamo de la FHA para que el proceso sea rápido y fácil.
¿Qué es la refinanciación optimizada de la FHA?
Una hipoteca de la FHA le ayudó a ahorrar cuando compró su vivienda, y un refinanciamiento optimizado de la FHA puede ayudarle a ahorrar nuevamente. Asegurado por la Administración Federal de Vivienda (FHA), un Refinanciamiento Streamline de la FHA ofrece un proceso simplificado para reducir la tasa de interés de su hipoteca y sus pagos mensuales.
¿Cuáles son los beneficios de un refinanciamiento optimizado de la FHA?
Homeowners with an FHA mortgage can improve their finances in multiple ways with an easy refinance experience.
- You can lower your monthly mortgage payment with a reduced interest rate
- You can convert an adjustable-rate into a fixed-rate mortgage
- You can qualify even if you owe more than your home’s value
- You can close quickly through a streamlined process
Pautas de refinanciación optimizada de la FHA
While the process may be easy, you must meet certain FHA Streamline Refinance guidelines.
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Only FHA home loans qualify for FHA Streamline Refinancing. You cannot use this program to refinance any other type of mortgage.
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Your FHA Streamline Refinancing must provide a net tangible benefit. The FHA’s definition of a net tangible benefit varies based on the loan being refinanced, interest rate, and/or term of your new FHA loan. We’ll show you if the benefits meet FHA requirements.
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You cannot refinance your FHA home loan too quickly. You must have made at least six payments, be at least six full months from your first payment due date, or at least 210 days from the closing date on your FHA home loan.
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You must have a consistent history of on-time payments. You can’t have any FHA loan payments that were more than 30 days late in the past six months, or more than one payment that was more than 30 days in the past 12 months.
