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FHA Streamline Refinance Owner Occupancy Certification Rules (2026 Guide)

FHA & Streamline

FHA Streamline Refinance Owner Occupancy Certification Rules (2026 Guide)

FHA streamline refinance owner occupancy rules for 2026: how primary, HUD-approved secondary, and non-owner classes work and what docs your lender needs.

Jul 28, 2026 · 9 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

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Disclosure: Mortgage Refinancing Blog is an independent publisher. Content on this site is general education, not personalized financial, legal, or tax advice. If we introduce advertising in future, compensation will never influence our editorial conclusions. Confirm all loan terms with a licensed loan officer.

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