Mortgage Refinancing

Simplify Your Mortgage Refinancing with Peoples Bank & Trust Company

FHA Streamline Refinance

An FHA Streamline Refinance is exclusively available to homeowners who currently have an FHA home loan.  This loan may allow an FHA borrower to lower their current interest rate without having to requalify for the loan.  

What Are The Benefits?

  • No Income Verification
  • No Asset Verification
  • No Appraisal
  • Possible to Lower MIP
  • Fast Closings

For homeowners with an FHA-insured home loan, an FHA Streamline Refinance is the quickest and easiest method to refinance their current mortgage. This is due to the fact that the FHA permits the original purchase price of the home to be utilized as its current value, eliminating the need for an appraisal. If a homeowner is struggling to pay off their mortgage, this option may be advantageous since the loan will be calculated based on the initial purchase price rather than the actual value of the home at the time of refinancing, which may be less than the original purchase price.

To be eligible for an FHA Streamline Refinance, the primary requirement is that you already have an existing FHA home loan.  Even if you don't have perfect credit, we may have options for you.


If you have questions about an FHA streamline refinance or want to see if you qualify, please contact us today.

Request a Consultation with a Loan Specialist

Peoples Bank & Trust Company

  • Toll Free: (800) 697-4371
  • MPO NMLS#: 457569
  • PB&T NMLS#: 257781

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As a condotel lender, we specialize in offering financing for a wide range of condominiums, including condotels. Our services encompass condotel loans and loans for non-warrantable condo projects. If you're having difficulties finding condotel financing for the condo hotel you have your sights on, don't lose hope! Our goal is to assist you in acquiring the property you desire.

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