Oceanside Mortgage Company
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  • Apply
  • Learn More
    • Mortgage Navigator
    • Cash Out Refinance
    • Reduce Your Rate
    • Purchase a Home
    • About Us
  • Sign In
    • Pay Your Mortgage
    • Quick Links
  • Contact
  • More
    • Home
    • Apply
    • Learn More
      • Mortgage Navigator
      • Cash Out Refinance
      • Reduce Your Rate
      • Purchase a Home
      • About Us
    • Sign In
      • Pay Your Mortgage
      • Quick Links
    • Contact
Oceanside Mortgage Company
  • Home
  • Apply
  • Learn More
    • Mortgage Navigator
    • Cash Out Refinance
    • Reduce Your Rate
    • Purchase a Home
    • About Us
  • Sign In
    • Pay Your Mortgage
    • Quick Links
  • Contact

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 settlement costs and no added loan origination fees. 


  • Lower Your Monthly Payments
  • Shorten Your Mortgage Term
  • Lender Pays Settlement Costs
  • An Appraisal is Not Required


This refinance process typically takes around two to three weeks and can be completed almost entirely by phone or over the internet. Oceanside Mortgage Company is committed to making home ownership easier and more affordable so there is no application fee, or added charges for processing or underwriting. 

Apply Online

Complete an application online and get answers in just a few minutes. Our team is here to help get you the best rate on your home mortgage.

Apply Now

USDA Streamline Assist Refinance

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

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 six on-time payments to their current mortgage.

Start an Online Application
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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.