{"id":71,"date":"2026-10-07T17:00:00","date_gmt":"2026-10-07T17:00:00","guid":{"rendered":"https:\/\/www.richhanlin.com\/blog\/?p=71"},"modified":"2026-10-07T17:00:00","modified_gmt":"2026-10-07T17:00:00","slug":"fha-loan-refinancing-options","status":"publish","type":"post","link":"https:\/\/www.richhanlin.com\/blog\/2026\/10\/07\/fha-loan-refinancing-options\/","title":{"rendered":"FHA Loan Refinancing Options"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/rich-hanlin\/fha-refinance-loans-remotion-videos-18b5\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>When rates are climbing, smart borrowers look for every advantage\u2014and FHA loan refinancing often sits at the top of that list. After 35 years in the mortgage trenches, I\u2019ve seen how FHA refis can offer a real edge, especially for those who don\u2019t fit the conventional mold. With credit scores as low as 500 still in the game, FHA refinancing opens up possibilities that traditional loans just can\u2019t match.<\/p>\n<p>There\u2019s a range to consider: streamline and simple refinances are available if you already hold an FHA loan, with requirements like six months of on-time payments and a 210-day seasoning period; the simple refi also brings some light underwriting into play. But if you\u2019re eyeing cash-out refinancing, you don\u2019t even need to be an existing FHA borrower\u2014and you could access up to 80% of your home\u2019s value. For those with renovation dreams, the 203(k) option is built to turn those plans into reality.<\/p>\n<p>Not every lender can deliver all four FHA refi types, so it\u2019s worth comparing where you\u2019ll get the most value\u2014whether that\u2019s lower monthly payments, tapping equity, rolling in closing costs, or finally starting that home improvement project. In a business where details matter, my job is to help you find the right fit, every time.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When rates are climbing, smart borrowers look for every advantage\u2014and FHA loan refinancing often sits at the top of that list. After 35 years in the mortgage trenches, I\u2019ve seen how FHA refis can offer a real edge, especially for those who don\u2019t fit the conventional mold. With credit scores as low as 500 still [&hellip;]<\/p>\n","protected":false},"author":339,"featured_media":72,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-71","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts\/71","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/users\/339"}],"replies":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/comments?post=71"}],"version-history":[{"count":1,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts\/71\/revisions"}],"predecessor-version":[{"id":73,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts\/71\/revisions\/73"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/media\/72"}],"wp:attachment":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/media?parent=71"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/categories?post=71"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/tags?post=71"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}