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Click Here for Your Local FHA Lender   The streamline refinance is an excellent tool for existing FHA borrowers to lower their payment. There is no appraisal or income documentation requirements. The only requirement is that there should be no 30 day late payments on the existing mortgage. Often lenders offer a “no closing cost” option on FHA Streamline refinances. Now keep in mind, you don’t get anything for free. In some cases, if there are no closing costs, there can be an upward adjustment to the interest rate. CLICK HERE to get more information regarding streamline refinances and to get a lender in your area that specilizes in streamline refinances.

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