Are you looking for an FHA refinance loan? Did you get stuck by a fast talking mortgage broker and fall for an adjustable rate loan that you cannot afford the new payments for? Have unforeseen upsets caused you to have credit problems that mortgage brokers and your bank are telling you prevent them from helping you make your housing costs more affordable? Did your plans to consolidate your debts fall part because you did not know to ask for an FHA refinance loan? You can apply for an FHA refinance loan for the home that you live in. An FHA refinance loan is only available for primary residences. Whether you live in a one family, two family, three family or four family home, you can take advantage of an FHA refinance loan. A 30 year fixed rate FHA refinance loan comes without any prepayment penalty! An FHA refinance loan has to fit within the loan amount limits that the FHA sets for the county that you live in. The FHA refinance loan mortgage limits for single family homes in lower priced areas have loan limits that start at $200,160 to a high of $362,790. The FHA refinance loan for your two family home has loan amount limits that range from $256,248 to a high of $464,449. The FHA refinance loan mortgage amount limits for three family homes range from $309,744 to $561,411. An FHA refinance loan for a four family home can range from $384,936 to $697,696. The maximum mortgage amounts for an FHA refinance loan in Alaska and Hawaii are even higher than the limits in the continental United States. FHA Unsupervised Direct Endorsement Lenders have the authority to originate, underwrite, approve and close your FHA refinance loan for your one to four family owner occupied property without prior oversight or prior approval from the FHA. MisterRefi.com has a team of FHA underwriters that all are trained to underwrite your FHA refinance loan the MisterRefi.com way! Our Direct Endorsement FHA underwriting team has over 100 years of collective FHA lending experience – our experts are here waiting to help you get approved for your own FHA refinance loan today! You can borrower up to 97% of your homes appraised value if you are using your FHA refinance loan only to pay off existing mortgages (subject to the FHA loan amount limits found above). You can borrow up to 85% of the appraised value of your property if you are using your FHA refinance loan for debt consolidation, cash out, or any combination of the two (within the maximum mortgage amount allowed in your county for an FHA refinance loan). Homeowners who own a single family home and live in it as their primary residence who intend to use the proceeds of their FHA refinance loan to obtain cash and consolidate debts with the available equity in their home can obtain an FHA refinance loan for 95% of the appraised value of their home if they have owned their home for at least 12 months and have made their last 12 mortgage payments on time. Remember that your mortgage amount for your FHA refinance loan cannot exceed the FHA mortgage loan amount limit for the county the property is located in. MisterRefi.com is dedicated to making an FHA refinance loan available to all homeowners who qualify for one. The FHA refinance loan underwriting team at MisterRefi.com understands that sometimes bad things happen to good people, and we are committed to making sure that GREAT things result from your 30 year fixed rate FHA refinance loan.

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