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Buy
Apply Now
Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.
Purchase Rates
Know the rates, know your options. Start building your homeownership plan today.
Monthly Mortgage Calculator
Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.
Affordability Calculator
Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.
Refinance
Apply Now
Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.
Refinance Rates
Rates can change fast. See today’s options and discover potential savings on your mortgage.
Refinance Mortgage Calculator
Wondering how refinancing will affect your monthly payments? See how much you can save.
Cash-Out Refinance Calculator
See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.
Rates
Resources
Calculators
Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.
Blog
Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.
FAQs
Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
Loan Products
Navigate all our loan product options and find the perfect loan for you.
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About
Streamline refinance
A streamline refinance allows eligible FHA or VA borrowers to refinance quickly and easily with minimal documentation. It’s designed to lower your rate or payment without the hassle of a full loan application.
Frequently asked questions
Everything you need to know about Streamline refinance
Who qualifies for a Streamline Refinance?
Borrowers with existing FHA or VA loans who current on payments and stand to benefit from a lower interest rate or monthly payment qualify. The goal is to make refinancing fast, easy, and cost-effective.
Do I need an appraisal?
Usually no. Streamline refinances often waive the appraisal and income documentation requirements, relying instead on your good payment history to approve the new loan.
How much can I save by refinancing?
Savings vary by rate changes, but most borrowers see an immediate reduction in monthly payments or long-term interest savings over the life of the loan.
Can I take cash out?
No. Streamline refinances are designed for rate and term improvements only. If you want to access equity, consider a cash-out refinance instead.
How long does the process take?
Because documentation and underwriting are simplified, many Streamline refinances close in as little as 2-4 weeks, significantly faster than traditional refinances.
Are closing costs required?
Yes, but they're often lower than standard refinance costs. Some borrowers choose to roll those fees into the loan amount or cover them with lender credits.