As of June 11, 2012, the Streamline refinance rates for an FHA mortgage have gone down, as have mortgage fees. These lowered costs are effective for those who obtained an FHA-insured mortgage before June 2009. Having such a mortgage loan refinanced with the decreased payments can save a homeowner a bundle. For a time, rising rates on mortgage insurance posed a problem for folks looking for a refinance, as whatever money they’d have saved ended up going to that, rather than in their pockets. The trimmed down costs of mortgage fees have made it easier for people to get these refinances and afford their insurance.