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.
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.
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.