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While there is not an official conventional streamline program, the HARP refinance comes close. Most homeowners do not need an appraisal to use this loan.
HARP is open to those with a Fannie Mae or Freddie Mac loan, and since these agencies have an appraisal on record, they usually dont require another one. Documentation requirements are lower with HARP, mainly due to computerized approval systems.
Most refinance applicants will only need to supply pay stubs, a W2, and a bank statement if any cash is required to close the loan. The borrower can wrap closing costs into the loan, trustmark personal loans the HARP program the next best thing to a conventional streamline refinance program.
2018 Conventional Loan Limits.
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