FHA Streamline Refinance: What Lenders Aren’t Telling You... If you're a homeowner with an FHA loan, you’ve probably seen offers in the mail urging you to refinance — but are they really giving you the full story? In this video, we reveal what lenders often don’t disclose about FHA Streamline Refinancing, and how you can avoid costly mistakes.
Timestamps (Quick Guide):
00:00 – Why everyone is getting FHA refinance offers
00:17 – What an FHA Streamline Refinance actually is
00:37 – Biggest benefits (no appraisal, no income check, fast closing)
00:50 – Eligibility basics
01:03 – The truth about “Net Tangible Benefit.”
01:30 – Common myths (no, you can’t get cash out)
02:12 – Deceptive mail offers & how to spot them
03:28 – You don’t need to use your current lender
03:46 – Why shopping around can save you money
04:30 – When refinancing DOESN’T make sense
What You’ll Learn in This Video:
1. The real benefits of an FHA Streamline Refinance — no appraisal, no income check, less paperwork
2. Why most solicitations in the mail can be misleading or deceptive
3. How to tell if you're eligible (hint: on-time payments and existing FHA loan required)
4. The myth about cash-out refinancing (you can’t do it with a streamline!)
5. What a “Net Tangible Benefit” really means — and how to calculate it
6. Common traps: high closing costs, fake APR offers, and shady lenders
7. How shopping around could save you hundreds to thousands in fees
8. When refinancing doesn't make sense (especially if you plan to sell soon)
Homeowners Should Know: Congress is reviewing the Homebuyers' Privacy Protection Act (H.R. 2808) to help protect borrowers from deceptive refinance solicitations. Learn more here: https://www.congress.gov/bill/119th-congress/house-bill/2808/text
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We're a veteran-owned, top-rated independent mortgage broker servicing Colorado, California, Wyoming, Texas, and Florida. Our mission is to empower you to build wealth through real estate, with a focus on expert advice and education on mortgages.
Whether you're a first-time home buyer interested in house hacking or real estate investing, our storytelling approach will guide you through every step of the process.
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RAY WILLIAMS
Mortgage Maestro Group (NMLS #1838215)
🏢 387 N, Corona St #646, Denver, CO 80218
📞 (303) 779-0591
📧 [email protected]
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