FHA Streamline
FHA Streamline Refinance
Calculate Your Rate
If you are ready to find out how much you can save, please enter your offer code and zip code below. You will be redirected to our smart mortgage calculator that will determine your potential savings. You will be able to determine your savings without providing any personal information and we promise we will not contact you without your approval. If you do not have an offer code, please click “Calculate Rate” anyway.
Who Qualifies For Streamline Refinance
Why Oceanside
Additionally, when you refinance with Oceanside, we will automatically add you to our streamline FastTrack program. With the FastTrack program, we will contact you each time rates drop so you can rest assured that you are always at the lowest possible rate.
Finally, since we focus on the streamline, we have greatly reduced the time and effort required to complete the process. We will not ask for documentation beyond the FHA requirements and will be able to close your loan in as few as two weeks. We have helped hundreds of borrowers take advantage of this program. We have been in business for over 20 years and have an A+ rating with the BBB. We also have hundreds of 5-star reviews on Facebook, Google, and Zillow.
FAQs
The Program
Who is Oceanside Mortgage Company?
Will I have to pay closing costs?
Can I skip a payment?
Can I shorten my mortgage term?
Should I not refinance unless I can reduce my rate 1%?
Can I do a NO Cost loan?
Are you part of the FHA?
What is an FHA streamline?
Can I use a streamline to borrow money to pay bills?
Do I have to go back to a 30-year loan?
Can I refinance my hybrid ARM loan if it’s in a fixed period?
How long do FHA streamline loans take?
How do I know this program is legitimate?
- We have been in business over 20 years and have focused on this FHA Streamline since our inception.
- Our FHA Lender ID number is 10090-00034. You can verify our credentials with the FHA by visiting this link.
- Please review our testimonials on our website.
- We are BBB accredited with an A+ rating.
- We have hundreds of 5-star ratings on Facebook, Google and Zillow.
Are you BBB accredited?
Qualification
How do I qualify for a FHA streamline?
The FHA streamline does not require proof of income like W2s or tax returns. Most other types of loan require the lender must determine the borrower’s ability to afford the new monthly payments. The FHA streamline refinance eliminates this requirement. If you are employed, collecting disability or are retired, you should qualify for the streamline.
How many payments must I make to do a streamline?
Is it considered late if I won't be able to pay until the 20th?
However, keep in mind that if you make your payment past the 15th, you are usually subject to late fees. To make sure you avoid extra costs, you should try to make your payment each month as close to the 1st as possible.
What is the FHA Streamline Minimum Credit Score?
How do I know if I qualify?
Do I have to live in my home to do an FHA streamline?
Can I Have Any Late Mortgage Payments?
Will I Need an Appraisal? What If I Am Underwater?
The Application
What documentation is required for the streamline?
- Photo Identification
- Social Security Card or W2
- Copy of Current Note
- Homeowners Insurance Declarations Page or Agent Contact Information
- Utility Bill
- Recent Mortgage Statement
Can I Remove a Co-Borrower with an FHA Streamline?
Will I be able to refinance again?
How long does the process take?
Can I Add Borrowers with an FHA Streamline?
Escrows
What about taxes and homeowner’s insurance?
I have an escrow shortage. How does that factor in?
Will my taxes/insurance be included after the streamline?
Closing
When is my rate locked?
Who do I make my payments to after the loan closes?
What is the “Initial Closing Disclosure”?
Where do I go for my closing?
Mortgage Insurance
Why am I being charged upfront?
How Do I Take Advantage of Recent FHA MIP Reductions?
What is the FHA Mortgage Insurance fee for?
When is the monthly mortgage insurance eliminated?
What is UFMIP and Do I have to Pay it in Cash?
Apply for a loan now
Apply for a loan now
Contact Us
Contact Us
Address
55 Main St
Toms River, NJ 08753
(800) 955-8965
(866) 680-5729
Servicing Questions
support@myoceansidemortgage.com
Quick Links

Oceanside Mortgage Company is a private corporation. Oceanside Mortgage Company is not acting on behalf or at the direction of HUD/FHA/VA/USDA or the Federal Government. By refinancing your existing loan, your total finance charges may be higher over the life of the loan. NMLS# 80015 Visit the Nationwide Mortgage Licensing System & Registry consumer access website for licensing information: www.nmlsconsumeraccess.org Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site. Arizona Bankers License # BK-0940196
