Lower your FHA mortgage payment
Whether you’re lowering your rate and payment with an FHA Streamline or tapping your equity with an FHA cash‑out refinance, Revix’s exclusive wholesale partnerships and technology surface the best FHA option in seconds
FHA Refinance Rates
Join the movement. Revix secures pricing you won’t find through retail channels by making multiple lenders compete for your specific loan scenario behind the scenes. Our technology automatically selects the best execution, delivering one clear offer in seconds, no endless shopping or sales pressure.
Not sure which FHA option is right for you?
FHA offers multiple ways to refinance. Answer a few simple questions and we’ll recommend the best match.
Do you want any cash back from your equity?
Has your FHA loan been open at least 210 days with 6 payments made?
Will your new payment go up a lot or are you removing a borrower?
FHA refinance options
What it is
The fastest FHA‑to‑FHA option with limited paperwork. No cash out allowed.
Unlock your new rateWhat it is
A Streamline that adds standard income and credit review. No cash out allowed.
Unlock your new rateWhat it is
A full credit‑qualifying refinance with an appraisal. Used to change rate or term. No cash back.
Unlock your new rateWhat it is
A full credit‑qualifying refinance with an appraisal that lets you access home equity.
Unlock your new rateHow the process works
01
Get a free rate quote
Answer a few quick questions and see the FHA refinance options that best fit your goals.
02
Lock in your rate
Compare scenarios, ask questions along the way, then lock your rate when you are ready to proceed.
03
Close as fast as 12 days
We move fast so you don't miss out. Our process is one of the fastest in the industry.
Lower costs. Clear choices. Friendly guidance.
We use efficient technology and a lean process to keep costs low, then help you choose the FHA path that fits your goals.
What sets us apart
Lower costs through smart tech and workflow
Licensed specialists who keep it simple and direct
Fast FHA timelines for Streamline, Rate and Term, and Cash-Out
No hard sell — you stay in control
Frequently asked questions
How quickly can I close an FHA Streamline?
Most FHA Streamlines finish in 12–14 days when you e-sign quickly and provide your current mortgage statement and insurance info right away. Streamlines do not require an appraisal, which helps speed things up.
When does FHA mortgage insurance drop to 11 years?
On a new FHA loan, monthly MIP runs for 11 years if the starting LTV is 90% or less. If the starting LTV is above 90%, MIP is for the life of the loan. If your prior FHA loan had life-of-loan MIP because it started above 90%, and your new refinance starts at 90% LTV or less, your new MIP duration becomes 11 years. The term you choose can change the MIP rate, not the duration.
Will my credit be pulled for an FHA Streamline?
For non-credit-qualifying Streamlines, we typically do not need a new debt-to-income calculation. Lenders may verify employment and may pull a soft or hard credit check to confirm payment history. For full credit-qualifying loans, a standard credit pull applies.