FHA Streamline Eligibility Guidelines

Are you an FHA mortgage holder? See if you may be eligible to refinance and take advantage of today’s low rates.

FHA Streamline FAQs >

If you meet these requirements, you may be eligible.

You may be eligible to refinance your mortgage using an FHA Streamline Refinance. General eligibility guidelines include:

  • You must receive a “net tangible” benefit in the form of a reduced combined rate (interest rate on the mortgage plus the Mortgage Insurance Premium) OR convert from an adustable rate mortgage (ARM) to a fixed-rate mortgage resulting in a financial benefit to the borrower OR a reduced mortagage term.
  • ​Mortgage payments must be current in the last 6 months and no more than one late payment in the last 7 to 12 months

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Please keep in mind that these are only general program guidelines. An M&T Mortgage Loan Officer can speak to you about your specific eligibility (Monday-Friday 8:30am-9:00pm ET and Saturday 10:00am-2:00pm ET).