Refinance Products


This mortgage product is ideal for homeowners who already have an FHA mortgage loan and do not desire to take any money out in the process. It gives an opportunity to the homeowner to acquire new financial term, lower interest rates, lower payment, etc.

Benefits & Features

  • Appraisal is not required.
  • No written income verification is required.
  • No Reserves Required.
  • Closing cost can be financed into the new loan.


  • Minimum Fico Credit Score starting at 580.
  • The mortgage to be refinanced must be current (not delinquent).
  • The refinance results must be a net tangible benefit to the borrower.


The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Ready Mortgage Lenders.

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