Today, mortgage loans are underwritten by computer programs and according to FICO scores, and if a human is the underwriter, that human has a rigid matrix of points that must be met. Not so for FHA refinance loans as offered by MisterRefi.com. MisterRefi.com believes that FHA refinance lending should be done as it was originally intended back in 1934 – to provide financing for homes for all Americans on an equal basis.

FHA refinance lending in the MisterRefi.com model focuses on the basic underlying principals the FHA refinance lending program was created with – common sense and logical decisions based upon real life and real people. While credit scores are considered in all mortgage underwriting decisions, MisterRefi.com puts more emphasis on the facts when evaluating and approving FHA mortgage loan applications. Our in house team of FHA underwriters are committed to using the FHA refinance lending program to assist responsible homeowners in living a more affordable life - we listen to the issues of the consumers and our FHA underwriters use their experience and expertise when it was not the unwillingness of the consumer to pay their credit obligations, but their inability to pay that was caused by circumstances beyond their control.

MisterRefi.com allows consumers who apply for a refinance and qualify for our FHA loan program to tell us their story – what they want and need to accomplish with their refinance, why and how any credit problems of the past happened – and we are EXPERT listeners! At MisterRefi.com we believe that our unique way of applying our unsupervised Direct Endorsement FHA underwriting authority is the ONLY affordable answer for many consumers.

FHA refinance lending requires experience - our MisterRefi.com FHA underwriting team has over a hundred collective years of FHA underwriting experience. FHA underwriting is more art than science – there are far more opportunities in FHA underwriting for the FHA Direct Endorsement underwriter to use their judgment and experience and common sense to make their approval decisions.

MisterRefi.com makes the most of the autonomy that comes with our Unsupervised Direct Endorsement FHA authority. Our decade and a half of FHA refinance lending experience makes us able to understand the consumer and their needs AND to design an FHA solution for each family we have the opportunity to help.

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