Quintessential Mortgage Group, LLC
NMLS # 979266

Non-Credit Streamline FHA Refinance

Our team of award-winning experts are ready to help you with your non-credit qualifying FHA refinance. There are several benefits that you receive by refinancing your existing FHA loan with a FHA refinance. Most prominently you are not required to to fill out a new application, nor do you need a new appraisal as the FHA allows you to refinance using the original value of the home.

Basic Requirements for a Non-Credit FHA refinance


The primary purpose of the non-credit qualifying FHA streamline refinance is to provide a benefit to you with a new mortgage loan using limited approval documentation and no credit check. However, if there is no benefit to using the program, and your monthly principal and interest payments increase by refinancing, you must apply for a credit-qualifying FHA streamline refinance. The following criteria will be taken into consideration: 

  • The mortgage you want to refinance must be insured by the FHA.
  • You must be current on your mortgage with no delinquent payments.
  • You must have made a minimum of six months of on-time payments on your FHA-insured loan
  • Six full months must have passed since you made your first payment.
  • You must receive a tangible benefit from the refinance.


For any questions regarding our refinancing program contact us through our website or give us a call. Our award-winning team is ready to help you with your current or future refinancing plans today. 







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