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 settlement 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 or using our secure online application portal. 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.

Start An Application

Lender Paid Closing Costs

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

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.

Reduce Your Rate

Streamline Refinance

Lender Paid Closing Costs

Low rates and best in class customer service since 1996

VA Interest Rate Reduction Refinance Loan (IRRRL)

USDA Streamline Assist