USDA Home Loan Refinancing

Homeowners with an existing USDA mortgage may be eligible to refinance their USDA loan. Refinancing your loan could lower your rate or change your loan term.

USDA Streamline Refinance

If the interest rate on your existing USDA mortgage is higher than the current rate, refinancing your loan may be an option. In order to participate in the USDA Streamline Assist refinance you must be current on your mortgage payments and use the property as your primary residence.

Benefits Of A USDA Streamline Refinance

  • No home appraisal in most cases
  • No credit review required; mortgage must be current for the previous 12 months
  • Low private mortgage insurance premiums (PMI)

Streamline Eligibility

  • Must have made at least 12 consecutive, timely monthly payments on the current USDA loan.
  • New loan amount cannot exceed original loan amount.
  • Refinance must result in at least a $50 reduction in monthly payments.
  • No cash out permitted.

Standard USDA Refinance

If you want to change your rate and term on an existing USDA loan, a standard USDA refinance may be right for you.

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