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Home Buyers

KHC Refinance Products

KHC Refinance Products

​To qualify for a KHC refinancing option, you must contact an approved lender and meet the requirements below:

FHA Streamline Non-Credit Qualifying & Credit Qualifying Refinance:

  • 620 minimum credit score.
  • No appraisal required.
  • Maximum LTV 97.75 percent (No maximum CLTV).
  • 30-year term.
  • FHA existing loan.
FHA Simple Refinance
  • 620 minimum credit score.
  • Appraisal required.
  • Maximum LTV/CLTV 97.75 percent (97.75 percent CLTV).
  • 30-year term.
  • FHA existing loan.

FHA Rate/Term Refinance

  • 620 minimum credit score.
  • Appraisal required.
  • Maximum LTV/CLTV 97.75 percent (97.75 percent CLTV).
  • 30-year term.
  • Conventional, RHS, VA, or FHA existing loans.

RHS Streamlined-Assist Refinance Program

  • 620 minimum credit score
  • No appraisal required
  • Must have made timely mortgage payments for the last 12 months
  • 30-year term
  • RHS existing 502 guaranteed loan