Refinance Loans
FHA Refinance Loans in California
Rate-and-Term, Cash-Out, and FHA Streamline Options
FHA refinance loans offer flexible options for homeowners who want to lower their interest rate, change their loan term, or access their home's equity. Whether you currently have an FHA loan or a conventional mortgage, an FHA refinance may be a strong option depending on your financial profile.
Patron Mortgage works with trusted lending partners throughout California to help qualified borrowers explore FHA refinance programs. We'll review your situation and explain which options may be available to you.
FHA Refinance Programs
Patron Mortgage offers access to the following FHA refinance options for qualified borrowers:
FHA Rate-and-Term Refinance
Replace your existing FHA or conventional loan with a new FHA loan to lower your interest rate, change your loan term, or both.
FHA Cash-Out Refinance
Access your home's equity with an FHA cash-out refinance. Eligible borrowers may be able to borrow up to 80% of their home's appraised value.
FHA Streamline Refinance
A simplified refinance option for existing FHA borrowers. Reduced documentation requirements and no appraisal needed in most cases.
FHA Streamline Refinance
The FHA Streamline Refinance is one of the most efficient refinance programs available for existing FHA borrowers. It is designed to reduce the rate and/or payment on your current FHA loan with minimal documentation and no appraisal required in most cases.
Key features of the FHA Streamline Refinance:
- No appraisal required in most cases
- Reduced income and employment documentation
- Faster processing compared to a standard refinance
- Available even if your home's value has declined
- Must result in a net tangible benefit (lower rate or payment)
You must have an existing FHA loan to qualify for the FHA Streamline Refinance program.
Explore Other Refinance Options
Not sure if an FHA refinance is the right fit? Compare other programs.
Conventional Refinance
Lower your rate or eliminate mortgage insurance with a conventional refinance for qualified homeowners.
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VA IRRRL
A streamlined refinance option for eligible veterans and active-duty military with existing VA loans.
Learn more →
Cash-Out Refinance
Access your home equity with a cash-out refinance for debt consolidation or home improvements.
Learn more →
Frequently Asked Questions
Common questions about FHA refinancing in California.
Ready to Explore FHA Refinance Options?
Contact Patron Mortgage today to learn whether an FHA refinance or FHA Streamline is the right move for your situation. We'll walk you through your options clearly.
NMLS 1747739 · Licensed in California