Today’s FHA Refinance Rates & Options
Free Refinance Calculator
Today’s FHA Refinance Rates & Options
Lower your rate, reduce monthly payments, or get cash out. See your personalized FHA refinance options.
No obligation, no credit impact. Get your refinance estimate in under 60 seconds.
Lower your rate, reduce monthly payments, or get cash out. See your personalized FHA refinance options. No obligation, no credit impact.
☝️ Takes 60 seconds!
☝️ Takes 60 seconds!
Top Lender For FHA Mortgage Refinance
Aletta Horton
Top Rated Home Mortgage Lender
15 & 30-Year Conventional Refinance
Rate-and-Term Refinance Loans
Cash Out Refinance Loans
FHA Cash Out & Streamline
VA Cash Out & IRRRL/Streamline
Top Lender For FHA Mortgage Refinance
Aletta Horton
Top Rated Home Mortgage Lender
15 & 30-Year Conventional Refinance
Rate-and-Term Refinance Loans
Cash Out Refinance Loans
FHA Cash Out & Streamline
VA Cash Out & IRRRL/Streamline
See If You Qualify for an FHA Mortgage Refinance
Instant Check - No Credit Score Impact!
Check in minutes if you can lower your rate, monthly payment, or cash out
No obligation and no impact on your credit score
Get personalized refinance options based on your current FHA loan, credit & goals
See If You Qualify for an FHA Refinance
Instant Check - No Credit Score Impact!
Check in minutes if you can lower your rate, monthly payment, or cash out
No obligation and no impact on your credit score
Get refinance options based on your current FHA loan, credit & goals
Frequently Asked Questions...
What is an FHA refinance?
An FHA refinance replaces your current mortgage with a new FHA loan, often to lower your interest rate, reduce your monthly payment, or access your home equity.
How do I know if refinancing is worth it?
Refinancing may make sense if you can: lower your interest rate; reduce your monthly payment; pay off your loan faster; and eliminate mortgage insurance (in some cases). Your break-even point (how long it takes to recover closing costs) is key.
Will checking refinance options affect my credit score?
No, initial rate checks typically use a soft credit pull, which does not impact your score.
What FHA refinance options are available?
Common FHA refinance programs include: FHA Streamline Refinance (faster, reduced documentation); FHA Rate-and-Term Refinance (lower your rate and monthly payment); FHA Cash-Out Refinance (get cash out out of your equity). Each option is designed to fit different financial goals.
What is an FHA Streamline refinance?
Streamline programs (like FHA Streamline) are designed to make refinancing faster and easier, often with: reduced documentation, no appraisal (in some cases), and faster approval timelines. You must already have an FHA loan to qualify.
What’s the difference between FHA rate-and-term, FHA Streamline, and FHA cash-out refinance?
An FHA rate-and-term refinance helps you lower your interest rate or change your loan term without taking cash out. It typically requires income, credit, and appraisal verification. An FHA Streamline refinance is a simplified version of a rate-and-term refinance for homeowners who already have an FHA loan. It usually requires less documentation, may not need an appraisal, and is designed to lower your rate or payment faster. An FHA cash-out refinance allows you to borrow against your home’s equity and receive cash at closing. It generally requires more equity, a full application, and an appraisal.
How much equity do I need for an FHA refinance?
FHA refinance options are designed to be flexible. FHA Streamline: May not require much equity or even an appraisal. FHA Cash-Out: Typically requires around 20% equity. Requirements vary based on your loan type and qualifications.
How long does the refinance process take?
Most refinances take 2–4 weeks, depending on your lender, documentation, and loan type.
What are the costs of refinancing?
Refinancing typically includes closing costs (often 2–5% of the loan amount), which may include lender fees, appraisal, and title costs. Some options allow you to roll these into the loan.
Can I refinance if my credit isn’t perfect?
Yes, many programs allow for less-than-perfect credit. FHA loans often have more flexible requirements than conventional loans.
Which areas do you serve?
We proudly serve homeowners throughout Washington, including many of the state’s most popular cities and counties.
Cities we commonly work in include: Seattle, Spokane, Tacoma, Vancouver, Bellevue, Kent, Everett, Spokane Valley, Renton, Federal Way
Counties we serve include: King, Pierce, Snohomish, Spokane, Clark, Thurston, Kitsap, Yakima, Whatcom, Benton
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Aletta Horton is not affiliated with or endorsed by any government agency. This website is for informational purposes only. This is not a commitment to lend or extend credit. Information and/or rates are subject to change without notice. All loans are subject to credit approval.
