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FHA & VA Refinance Loans

Government mortgage loan options

Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) refinance loans allow homeowners the option to reduce payments or loan terms, and they have more flexible qualification requirements than conventional loans. (Please note: Bank of America offers FHA and VA refinance loans to existing Bank of America home loan clients only.)

FHA refinance loan features Footnote [1]

  • No maximum income/earning limitations
  • Fixed-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 Footnote [2]

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

Thinking about cash out?

Before deciding to take extra cash out of available home equity when refinancing, understand how much equity you may have in your home.

Learn more about cash-out refinance

Refinance basics

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Marvin Erazo
NMLS ID: 621790

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