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FHA Refinancing

Shop Mortgage Rates for 15 or 30 Year Terms

Check out the government refinance programs created to help consumers with good and bad credit lower their interest rates and save money. Compare FHA mortgage rates, terms and get helpful guidance with government loans. FHA mortgages are great for homeowners shopping for a reliable fixed rate loan. Homeowners like the Federal Housing Administration's loan programs because of the easy credit guidelines and minimal LTV requirements.

FHA mortgage refinance loans are insured by the government but are offered to consumers by FHA lenders like Nationwide who are FHA approved to extend credit for refinance and purchase mortgage liens with residential collateral.

Best FHA Mortgage

Borrowers can select from a variety of FHA refinance loans, like the streamline refinance, the traditional FHA refinance and the cash out mortgage refinance.

Get the Best Mortgage Rates on FHA Refinancing for Cash Back or Lower Mortgage Payments

Shop for fixed FHA mortgage rates with 15 and 30-year terms. All types of credit will be considered.

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FHA Refinance Loan Highlights

  • Maximum CLTV 96.5% for Purchase or Rate and Term Refinance
  • FHA Loan Amounts range from $271,000 to $729,750 (based on HUD high cost limits in county)
  • No Minimum Credit Score
  • No Closing Costs with FHA Streamline
  • 85-95% LTV when receiving cash back
  • Maximum Debt to Income - 43- 55% depending on equity and credit history
  • Documentation Types - Full or Limited with FHA Streamline Loan
  • Consolidate all your loans and debts into FHA mortgage
  • Refinancing with FHA into a fixed rate mortgage
  • If you don't qualify for FHA mortgage refinancing because of lack of equity, ask about the HARP mortgage that now has no loan to value restrictions when refinancing liens owned by Fannie Mae or Freddie Mac.

30-Year Amortization Term

  • 30-Year Fixed Interest Rates
  • Maximum CLTV 85% to 97%
  • No Fees for Early Pay-Off
  • FHA Streamline Refinance OK

15-Year Amortization Term


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Don't miss this opportunity to lock into an affordable loan payment while FHA mortgage rates are below 5%. Even though, FHA implemented a minimum credit score, you can still qualify for FHA refinancing with credit scores as low as 500. Find out how to get a better fixed rate mortgage.

Refinancing with FHA is the best method for qualifying using all of your past a present compensating factors rather than relying solely on a fico score like most conventional home mortgages. Check FHA Loan Limits for state by state maximum loan amounts dictated by HUD.



  • Make adjustable interest rate loans disappear with fixed FHA mortgage rates
  • Consolidate mortgage and credit line and refinance into one loan with a lower mortgage payment
  • Refinance FHA mortgages
  • Save Money with Consolidation of Debts in a FHA Refinance
  • Bad Credit FHA Refinance with a Minimum Score of 500
  • Finance Home Improvements
  • Cash back refinancing to 85%

Helpful mortgage info for credit & loan terms

 

One of the best ways to raise your credit scores is to include your unsecured debts into your loan when refinancing. The FHA mortgage refinance program allows consumers to refinance credit cards into the new mortgage. (85- 95% cash back refinancing depending upon mortgage payment history and debt to income levels. Consider the FHA refinance loans, as these government insured loans have been helping homeowners since 1934.

Helpful home financing information for credit, terms and loan approvals

In most cases with FHA refinancing, your monthly payments will be reduced. If you are sick of being turned down because you have low credit scores, give our lenders a try, because they offer second chance loans to qualified borrowers looking to consolidate debt or refinance for a better interest rate.

 
 
 
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- Check with loan officers daily as FHA mortgage rates are subject to change. - Loan pricing may vary upon state, credit score and income documentation.

Disclaimer: This is not an advertisement for credit. See Privacy for Details. Nothing on this web site contains an offer promise either to make a mortgage loan or that any participating lender will guarantee any home loan for any purpose or on any specific terms. NationwideMortgages.net does not make FHA loans. We do not have any affiliation with FHA refinancing products or any additional affiliation with the Federal Housing Administration or any other government sponsored enterprise. FHA refinance mortgage loans cannot be made online or be approved without an underwriter analyzing your credit score, debt to income ratio and combined loan to value.

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