How to Lower Your VA or FHA Mortgage Rate in 2026

By Andrew Duncan

Andrew Duncan is the Founder, CEO and Co-Owner of Tampa’s Best Real Estate Agent Team, The Duncan Duo, the Host of The Duncan Duo Real Estate Show Sundays at 10am on 970AM WFLA. As the team’s Founder, CEO & Co-Owner, Andrew’s focus is on the growth of the company, marketing and promotion initiatives as well as motivating and coaching the team’s agents and leadership.

Most people don’t realize there’s a way to lower their VA or FHA mortgage rate without going through all the usual refinance headaches. If your interest rate is above 7%, learning about a streamlined refinance could save you money fast, and it’s easier than you might think.

Here’s what you need to know and how to get started:

What is a streamlined refinance? A streamlined refinance is a special program for VA and FHA mortgage holders. Its main goal is simple: to lower your interest rate and reduce your monthly mortgage payment.

Unlike a traditional refinance, a streamlined refinance doesn’t require the same qualification steps or a full appraisal. Even if your home is in a negative equity position, you may still qualify.

“Even high-rate mortgages can be lowered fast.”

If your mortgage rate is above 7%, this could be a huge opportunity. Many homeowners feel stuck with high monthly payments, but a streamlined refinance can help them lower them without the stress or time commitment of a traditional refinance.

A streamlined refinance can help you overcome common obstacles. Even if you think you can’t refinance due to appraisal concerns, job changes, or credit issues, a streamlined refinance is designed to work around many of these challenges. The process is quick and minimally intrusive, and in some cases, it can even allow you to skip a mortgage payment.

Let’s explore your refinance options. Click here to reach out to Melissa Rodriguez at Citywide Home Mortgage, who can review your profile and determine if a streamlined refinance is right for you.

VA and FHA mortgage holders with rates above 7% shouldn’t ignore this opportunity. A streamlined refinance is a fast, easy way to reduce your monthly payments, save money, and take some financial pressure off your shoulders in 2026.

If you want to learn more, reach out to me to see if this could work for you. You can call or text me anytime at (813) 359-8990 or email info@theduncanduo.com. We’ll connect you with the right person and help you save money.