Refinance is a Breeze
Days to Close
In Business Since
BBB Rating
Dedicated Officer
Simpler Than a Standard Refinance
Because you already have an FHA loan, the program skips the full property appraisal — one less step, one less cost, and nothing standing between you and a lower rate.
The Streamline program is built to reduce the paperwork burden. In many cases no new income verification is required — your existing loan does the heavy lifting.
The primary goal is straightforward — lower your rate, lower your monthly payment, and keep more money in your pocket every month for the life of your loan.
With fewer underwriting steps and no appraisal to schedule, FHA Streamline refinances close significantly faster than traditional refinances. As a direct lender, PHS controls the timeline end to end.
The program supports multiple transaction types — switch from an adjustable rate to a fixed rate, or keep your current structure at a lower rate. Your options are broader than you might expect.
You'll work with the same person from your first call through closing — no hand-offs, no repeating yourself. Your dedicated PHS loan officer knows your file and moves it forward.
Who Qualifies & What's Covered
Owner-occupied properties across all our licensed states.
- Owner-occupied 1–4 unit properties
- Condominiums
- Planned Unit Developments (PUDs)
- Excludes manufactured homes
Current FHA borrowers in good standing.
- You currently have an FHA-insured mortgage
- Your loan is current — no recent late payments
- The refinance provides a net tangible benefit — typically a lower rate and payment
- Licensed states: NY · NJ · CT · PA · FL
All four ARM and fixed-rate transition combinations are covered.
Adjustable to Adjustable
Adjustable to Fixed
Fixed to Adjustable
Fixed to Fixed