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Refinance

FHA & VA Refinance Loans

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FHA and VA refinance loans

The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) offer standard refinance products. FHA refinance loans and VA refinance loans allow homeowners the option to reduce payments or reduce loan term, and they have features that decrease the qualification requirements. (Please note: Bank of America offers FHA and VA refinance loans to existing Bank of America home loan customers only.)

FHA refinance loan features

  • No maximum income/earning limitationsFootnote 1
  • Fixed- and adjustable-rate loans available
  • Maximum loan amounts vary by county—contact us for information on your county
  • More flexible qualification guidelines than conventional loans

VA refinance loan features

  • Fixed- and adjustable-rate loans available
  • More flexible qualification guidelines than conventional loans

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