Is a FHA Streamline Refi a realistic option We have a FHA loan originated in 6/2004. Original loan amount was 187,000 at 6.375% for 30yr. We currently owe 165,000 and have a HELOC with $10,000. Current monthly payment on the primary including taxes and insurance is 1435.00. The thought of refi after 8 years makes me ill. I don't want to start over again at 30 years. I keep getting these offers to do a FHA refi, but I don't want to pay a bunch of fees and have to come to the table with a lot of money. My husband no longer works so I am not sure we even have what is needed to close. We are current and have never been late on payments. We do have a large debt to income ratio but I make enough to cover it so it hasn't buried us yet. I figured I would start with our current lender, Chase, but have not heard anything back.November 21 2012 - Hoschton00YesReport 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.