FHA Streamline Refinance
Net Tangible Benefit
Calculator
Determine in seconds whether your FHA loan qualifies for a streamline refinance — and exactly how much you could save.
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Your Current FHA Loan
Enter your existing mortgage details
$
Outstanding principal balance on your current FHA loan
%
yrs
How many years remain on your current loan
New Loan Terms
%
Rate you qualify for on the streamline refi
FHA UFMIP = 1.75% of base loan amount
$
Lender fees, title, escrow — not rolling into loan
MIP Details
%
Typically 0.55% for loans >15 yr, LTV >90%
%
FHA streamlines retain the same MIP structure
Monthly Savings
—
—
Annual Savings
—
per year
Lifetime Savings
—
—
| Payment Component | Current Loan | New Loan | Difference |
|---|---|---|---|
| Principal & Interest | — | — | — |
| Monthly MIP | — | — | — |
| Total Monthly Payment | — | — | — |
| Loan Balance | — | — | — |
Break-Even Period
— months
0
12 months
24 months
36+ months
—
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A licensed Loan Officer will follow up to review your FHA Streamline scenario.
Important Disclosure. The data contained herein is for informational and educational purposes only. APR will differ from the note rate based on closing costs. For an accurate and personalized rate quote, please request a formal Loan Estimate from GEM Mortgage. Calculations are estimates based on user-provided inputs and do not constitute an offer of credit, a commitment to lend, or a quote of specific loan terms. Actual loan amounts, monthly payments, interest rates, MIP, and approval are subject to credit qualification, property review, underwriting, program eligibility, and applicable state and federal law. FHA Streamline Refinance eligibility requires a current FHA-insured loan, a satisfactory payment history, and a demonstrated Net Tangible Benefit as defined by HUD Handbook 4000.1.
GEM Mortgage — A Division of Golden Empire Mortgage, Inc. | NMLS #2427 | Equal Housing Lender
GEM Mortgage — A Division of Golden Empire Mortgage, Inc. | NMLS #2427 | Equal Housing Lender
Golden Empire Mortgage, Inc.
NMLS# 2427
1200 Discovery Drive, Ste. 300
Bakersfield, California 93309
Golden Empire Mortgage, Inc.
NMLS# 2427
1200 Discovery Drive, Ste. 300
Bakersfield, California 93309
Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Financial Protection and Innovation pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in California and throughout the United States in the additional states by clicking here.
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