Mortgage Refinance Loans to 97 Percent with FHA

Did you know that FHA mortgage lenders continue to report a flood of mortgage refinance applications due to HUD increasing the loan limits? With higher loan amounts at 97.5% loan to value, many homeowners now have the ability of combining their first and second mortgages together for a lower payment that is amortized with a fixed interest rate for thirty years. If you are looking for FHA mortgage lenders from San Diego, then you will be excited to work with our local team. If you are looking for an FHA lender outside of California, we can still help you as we have local teams nationwide.

Borrowers who have had some issues with past collections, bankruptcies and bad credit scores can rest assured that FHA mortgage loans give homeowners an opportunity to reestablish their credit at an affordable interest rate. Our FHA lenders can help you qualify for a competitive fixed rate loan that can be refinanced with the streamline program if the mortgage rates drop after your loan closes.

FHA Home Refinancing Heats up with No Equity Loan Programs

We provide useful tools, reports and guidelines to help you get up to speed on the latest FHA mortgage loans so that you can have peace of mind when you refinance your home. Our FHA loans have aided thousands of homeowners with questionable credit scores lock into mortgage rate that they could afford while saving money with because of the reduced interest rates and favorable terms. FHA interest rates on mortgage refinance loans have never been more attractive. Get approved today for a 97% refinance loan and there is cost to apply with our lenders.

Many government lenders have indicated that the resurgence of FHA mortgages point towards be first signs of home financing and real estate recovery. A few years ago HUD released a new refinancing program, the "FHA Secure" that was created to help homeowners who fell behind on their mortgage payment after their ARM loan payment adjusted. The mortgage refinance guidelines require that borrowers have demonstrated a perfect payment history prior to their adjustable rate mortgage payment resetting. Currently the standard mortgage refinance loan with FHA also prohibits cash out and the maximum loan to value is capped at 96.5%. People can still refinance with FHA for cash back but only up to 85% loan to value.

Search for FHA Loans by State:
California | Colorado | Connecticut | Georgia | Illinois | Maryland | Massachusetts | Missouri | New Jersey | North Carolina | Oklahoma | Oregon | Tennessee | Texas | Virginia | Washington

FHA Mortgage Refinance Benefits

Fixed Rate Refinancing for All Types of Credit

FHA Allows You to Refinance 1st & 2nd Purchase Money Mortgages into New Loan

Past Bankruptcy and Bad Credit Scores OK

97% Mortgage
FHA Home Refinancing Guarantees Fixed Mortgage Rates for the Life of the Loan!

96.5% Rate and Term for Refinancing

15 or 30 Year Fixed Rate Amortization

Do I need use FHA mortgage lenders for all FHA loans? - The Federal Housing Administration or the Housing of Urban Development does not provide home financing. The FHA guarantees home mortgages with loans offered by FHA approved lenders. This eases the lending restrictions for taking out a home loan because the lenders are confident that FHA protects them in case of loan payment defaults.

Do I have to use my home as my primary residence when I finance with an home loan insured by FHA? - Yes. The FHA requires owner occupied the properties when purchasing a home with FHA mortgages.

Mortgage refinance rates are subject to change at any time, so get approved now lock into a 15 or 30-year fixed interest rate.


FHA Loan Limits by State

Mortgage Refinance Loans

Keep in mind that FHA mortgage limits vary in most states. HUD determines the loan limitations based on the cost of living indexes.

Best Time to Refinance
How to Refinance a Mortgage

When to Refinance a Home

FHA Refinancing in 50 States

FHA Refinance Loans for Washington Homes

Colorado Refinance Loans with FHA Fixed Rates

California FHA Home Refinance Loans

Maryland Mortgage Refinancing to Prevent Foreclosure

FHA Refinancing

Free Finance Guides & Helpful Consumer Reports

Take advantage of our free guides calculators and disclosures that help 1st time homebuyers.

ARM vs. Fixed Rate Calculator
How does a fixed rate mortgage compare to an adjustable rate mortgage?

Understanding Credit Scores
ARM Rate Mortgage- Guide
Consumer Guide -Rate Locks
Additional Refinancing Pages:
FHA Refinancing Loans | Secure FHA Refinance | 203K FHA Home Improvement Loans | FHA Streamline Refinance | 100% Refinancing | FHA Home Loan Index | Bad Credit Refinance | California Veteran Home Loans | 95% FHA Cash Out Refinance Loans | Loan Refinance | Home Affordable Refinance Program | Home Refinance Loans | No Cost Mortgage Refinance | HARP Refinance | Bad Credit FHA Mortgage | FHA Rules For Gift Funds And Down Payments | How FHA Mortgages May Burden US Tax Payers | How FHA Financing Could Slow Housing Recovery | Application for FHA Loan
BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024
Please be aware that this is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Nothing on this site contains an offer to make a specific home loan for any purpose with any specific terms. This is a web-site and no loans can be guaranteed as loans and rates are subject to change. Nationwide is affiliated with national lenders and a federally chartered bank located in Maryland licensed to offer home loans in all 50 states. Copyright © 2001-2010 and Beyond, Nationwide Mortgage Loans - is a website and cannot make loans. All rights reserved. Not all applicants will be approved. FHA can approve mortgage refinance loans with credit scores as low as 500 but must be signed off by a Directed Endorsed FHA underwriter. does not have any affiliation with the FHA or any other government entity.