Oceanside Mortgage Company
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    • Cash Out Refinance
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    • Home
    • Apply
    • Learn More
      • Lower Your Rate
      • Cash Out Refinance
      • Purchase a Home
      • Resources for Realtors
      • VA Home Loans
      • FHA Home Loans
      • Mortgage Navigator
    • Sign In
      • Pay Your Mortgage
      • Apply For A Mortgage
      • Financial Assistance
      • Quick Links
    • About Us
      • Our Mission
      • About Us
      • Contact
Oceanside Mortgage Company
  • Home
  • Apply
  • Learn More
    • Lower Your Rate
    • Cash Out Refinance
    • Purchase a Home
    • Resources for Realtors
    • VA Home Loans
    • FHA Home Loans
    • Mortgage Navigator
  • Sign In
    • Pay Your Mortgage
    • Apply For A Mortgage
    • Financial Assistance
    • Quick Links
  • About Us
    • Our Mission
    • About Us
    • Contact

Reduce Your Rate

Streamline Refinance

A Streamline Refinance allows qualified borrowers with current FHA Home Loans to reduce the interest rate and/or term of their mortgage without an appraisal or re-verification of income. Our Streamline Refinance program offers lender paid closing costs and no added loan origination fees. 


  • Reduce your interest rate
  • Shorten your mortgage term
  • Lender paid closing costs
  • Appraisal not required


This process typically takes less than a month and can be completed by phone, email, online, or on our mobile app. Oceanside Mortgage Company is committed to making home ownership easier and more affordable. There is no application fee, or added charges for processing or underwriting.


Start An Online Application

Lender Paid Closing Costs

For all 'Streamline' Refinance programs servicing FHA, USDA, and VA home loans Oceanside pays your closing costs. 

VA Interest Rate Reduction Refinance Loan (IRRRL)

The VA IRRRL  program allows you to reduce the interest rate and/or term of your loan. This program is only available to current VA Mortgage holders who have made at least 6 payments on their current mortgage.

Start an Online Application

USDA Streamline Assist

If you have a USDA Home Loan and want to reduce your interest rate a USDA Streamline Assist Refinance lets you lower your rate without an appraisal or re-verification of income. If you have a history of on time payments you may be a good candidate.  

Start An Online Application

The best rates and customer service for more than 25 years

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Oceanside Mortgage Company

Oceanside  Mortgage Company (nmls id# 80015)  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.  This is not a commitment to  engage in a loan transaction. All loan products and loan amounts may not  be available in your area and are subject to credit and property  approval pursuant to agency and investor guidelines. Information, rates,  and programs are subject to change without notice. Other restrictions  and limitations may apply. By refinancing your existing loan, your total  finance charges may be higher over the life of the loan. Oceanside  Mortgage Company is an equal opportunity housing lender. You can find  additional information on Oceanside Mortgage Company at nmlsconsumeraccess.org 


 Oceanside Mortgage Company is an Equal Housing Lender. 

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