FHA loan refinance to lower interest FHA loan.

• No Appraisal Required*
• No Income Verification*
• No Employment Qualifying*
• No Assets Verification*
• No Credit Qualifying*
• No Debt Ratios
• No Seasoning Required*
• No Face to Face Application

* These items changed since Nov 17, 2009

VA loan refinance to lower interest VA loan.

• No Appraisal Required
• No Income Verification
• No Assets Verification
• No Credit Qualifying
• No Debt Ratios
• No Seasoning Required
• No Face to Face Application

Simplified (Streamlined) version of FHA 203K loan. It is "light" rehab loan (up to $35,000) under FHA guidelines perfect for most light fixers and upgrades. Owner occupied properties only. When combined with FHA purchase loan can be used for "fixer" purchases.

• Can exceed the purchase price
• Can be adjustable or fixed rate
• Owner can do some of the work himself
• Up to 6 months to complete work