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Loans program

FHA Streamline Refinance

The FHA Streamline Refinance allows existing FHA borrowers to refinance with reduced

documentation requirements. It's designed to help homeowners take advantage of lower interest

rates with minimal hassle.

Key Program Features

  • No appraisal required (in most cases)

  • No income or employment verification (non-credit qualifying option)

  • No credit score requirement from FHA (lender overlays may apply)

  • Can refinance even if underwater on the mortgage

  • Potential MIP refund if refinancing within 3 years of original FHA loan

  • Closing costs typically 30-50% lower than conventional refinancing

Eligibility Requirements

  • Must have an existing FHA-insured mortgage

  • Must have made at least 6 monthly payments

  • 210 days must have passed since first payment date

  • All mortgage payments current for 6 months prior to application

  • No more than one 30-day late payment in the previous 6 months

  • Must demonstrate "net tangible benefit" (minimum 0.5% payment reduction)

  • Maximum $500 cash out allowed

FHA LOANS

FHA Home Loans Made Simple

Serving those who serve — with clarity, speed, and straight answers.

These features make FHA loans ideal for:

  • First-time homebuyers

  • Buyers rebuilding credit

  • Families with limited savings

  • Buyers seeking more flexible approval guidelines

Quick review. No obligation. No impact to your credit score.

Why Leland?

Built on Service. Driven by Integrity.

Leland Locke brings the same commitment from the fire service into every mortgage he handles.

  • Clear communication

  • Fast response times

  • No hidden surprises

  • Real guidance — not just rate quotes

You’re not routed to a call center.

You work directly with a professional who understands urgency and accountability.

Social Proof

Homeowners Served With Confidence

Not affiliated with or endorsed by any government agency.

Homeowners should understand that refinancing may result in higher finance charges over the life of the loan.

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