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FHA Refinance Loan - FHA Streamline Refinance | FHA Streamline Loan
All Mortgage and Home Types - If You Don't See It Ask!
FHA streamline refinance loan, FHA streamline refinance or new FHA loan allows for a low cost refinance or purchase of a home with a low down payment.
IRRRL VA Loan - IRRRL Streamline Refinance – What You Need To Know Before A IRRRL Streamline Refinance Of Your VA Loan
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The FHA Streamline Mortgage Refinance Secret
FHA Streamline Refinance Mortgage for Existing FHA Loans

"Even If Your Underwater"

Many people do not realize that there is a much easier way to refinance
a home these days.  And if you have an FHA mortgage, we can help!
There is a little known refinance program available known as the
FHA Streamline Refinance and it is gaining popularity. We're pleased
to provide some of the specifics of a Streamline Refinance.  
Our FHA Streamline Refinance loan experts can quickly determine if
you qualify for this easy program.

The main benefit of a Streamline Refinance is that you could need very
little documentation to qualify. In fact, it is a much easier process to
experience than when you purchased your home.

Imagine how simple your refinance could be if you had
*No Appraisal    *No Income Verification   
*No Employment Verification   *Lower Interest Rate   *Lower Payment

Your current home loan must be an FHA mortgage, and you will
need to have been paying on it for more than 6 months. FHA requires
you to have a clear pay history over the last 12 months with no 30 day
lates. The Streamline Refinance does not allow the final loan amount
to be higher than the original mortgage amount.

Though you cannot cash out any of your equity if you want to stay
within the *Streamline Guidelines," the
FHA Cash-Out Program allows
up to an 85% loan-to-value benefit, higher than a conventional loan,
offering debt consolidation or other options for your equity usage.

To get started, please complete our Loan Request form
by selecting the
START NOW button.  We look forward to
providing outstanding customer service!
FHA REFINANCE
Homeowners enjoy the benefits of investing
in their property year after year. For some,
there comes a time when that investment
can come in handy. Refinancing with an
FHA loan can prove to be an effective way
to put that equity to work. Keep in mind
that FHA refinancing is only available to
homeowners who are currently using
their home as their principal residence.

FHA CASH-OUT
This refinancing option is especially
beneficial to homeowners whose
property has increased in market value
since the home was purchased.
A Cash Out refinance allows homeowners
to refinance their existing mortgage
by taking out another mortgage
for more than they currently owe.

FHA STREAMLINE Learn More
This refinancing option is considered
streamlined because it allows you to
reduce the interest rate on your current
home loan quickly and oftentimes
without an appraisal. FHA Streamlined
Refinance also cuts down on the
amount of paperwork that must be
completed by your lender saving you
valuable time and money.

FHA INSURANCE
.FHA insured loans require mortgage
insurance to protect lenders against
losses that result from defaults on
home mortgages.

FHA LOAN LIMITS
FHA lending limits vary based on a variety
of housing types and the state and county
in which the property is located.
Did You Know...?

The FHA, or Federal Housing
Administration, provides mortgage
insurance on loans made by FHA
approved lenders. FHA insures these
loans on single family and multi-family
homes in the United States
and its territories. It is the largest
insurer of residential mortgages in
the world, insuring tens of
millions of properties since 1934
when it was created.

The FHA wants you to get the loan
amount you are qualified for and
sets up conditions to allow you to
successfully buy an FHA home.

One major mistake potential
homebuyers can make when
applying for an FHA home loan
is to make a major credit purchase.
Don't cloud your debt-to-income ratio
with a big purchase before applying
for your loan.
To pre-qualify for an FHA loan,
you should be able to demonstrate
employability, job stability and reliability.
The FHA refinance loan is a great mortgage
option for homeowners who want to tap
into their home equity and use the funds
for other personal needs.
FHA loan program -- FHA Loans and FHA Jumbo loans
FHA HOME LOANS - FHA Loan Information - FHA Loans
FHA loan requirements and guidelines are simple and easy to understand. Prepare for your
FHA home loan with some important steps to make sureyou can afford the mortgage.
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Earth Works Trust Financial Services doesn't lend money directly to borrowers, though we are a direct source to approved national lenders and
licensed independent mortgage professionals in your local area.  This allows for the widest variety of housing loan options to meet your needs. We
also work to make sure you have the resources you need when researching for a residential or manufactured home loan. We've developed tools to
make it easier to find the right loan product. Submission of this loan request form gives permission to contact you concerning housing loan products,
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