FHA Streamline : No Verification Of Job, Income, Credit In April 2011, while the rest of the world was making it harder to get approved for a mortgage, the FHA was making it easier. In a sweeping guideline update, the FHA abolished verification for practically everything on an FHA Streamline Refinance mortgage application. Now, as written in the FHA's official mortgage guidelines, the mortgage approval process for an FHA Streamline Refinance says : Employment verification is not required with an FHA Streamline Refinance Income verification is not required with an FHA Streamline Refinance Credit score verification is not required with an FHA Streamline Refinance And, as mentioned earlier, there's no need for a home appraisal, either. Repair your credit issues