I need FHA Streamline helpI really think I would benefit from this FHA streamline process. My current rate is 6.625%. However, I have run into some roadblocks, I think. First, I can't find any concrete information on how this program works. I have an FHA loan and haven't had any late payments since getting the loan 6 years ago, but is that enough? My loan was sold to Midland Mortgage from Citibank. I contacted Midland about this refi and they said sorry, we aren't accepting applications for refinance. I then contacted BoA, they told my I can only streamline thru my current lender. I then tried QuickenLoans online because they are a recommended company thru my employer . The woman I spoke with there said the best she could get me was 4.5% and I would need $3,300 dollars to make it happen. She said most of the money was for a new escrow account, which I would eventually get refunded from Midland mortgage. She also said I might be able to skip one mortgage payment, she wasn't sure and I would get a $500 rebate at closing. But she would never let me see the numbers unless I agreed to proceed with the refi. I wasn't real keen on that, seemed kind of fishy, but maybe that's how this whole thing works. Also, when I first spoke to her I told her I had $2,600 saved to do this and she said the most I would need was $2,300. So I'm still wondering how the amount needed went up $1,000, unless she made a mistake somewhere and just wouldn't tell me. Finally, my credit score is just under 800 (last I checked), I thought I would qualify for a rate better than 4.5%, but maybe I'm not understanding how the interest rate works. I thought it was mostly based off of my credit score.I live in Cheektowaga, NY (suburb of Buffalo, NY) and I would be looking to refinance $125,000. Can any help me figure this whole thing out?!August 12 2012 - Cheektowaga00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.