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No credit check on a streamline refi?

I have an existing FHA loan i would like to take advantage of the low rates today. Can we streamline refinance our loan with no appraisal, no credit check, and no proof of income because we have never been 30 day's late on our Mortgage? by larissao3992 from San Diego, California. May 26th 2010 Reply


Gregorio Denny (GVDenny)
#256 ranked lender in California - 380 contributions

Depending on the balance, you can streamline without an appraisal and without the credit, but you will need proof of income and a 4560T (transcript of your tax returns) will be required. You need to have made at least 6 payments with no lates. The refinance will have to lower your payments by at least 5% and provide a "net tangible benefit". It looks like you are in San Diego, give me a call and I can go over the details with you. You can click om my profile to check out my FHA rates for today. Gregorio Denny - WeFixRates.Com

May 26th 2010
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Akali Dennie (adennie)
#54 ranked lender in Florida - 196 contributions

The process for you should be rather simple with no late payments on the mortgage in the past 12 months. The concern should be what rate can you get and how much you can save. I believe I can offer you a rate under 5%. Please email me to discuss. We are Direct Lenders. Talk to you soon.

May 27th 2010
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Jim Teak II (jimteak)
#236 ranked lender in California - 14 contributions

Sure CALL Me 24/7/365--Jim Teakwww.JimTeak.comWe Can Lower Your Rate/Payment Too--24/7/365--619-293-4200

May 27th 2010
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Todd Tholl (toddtholl@leader1.com)
#4 ranked lender in Iowa - 239 contributions

No appraisal & no credit check but income has to be verified. Mortgage history can't have any lates in the last 6 months.

May 27th 2010
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