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I would say that it should take around 30 days for the FHA streamline refinance. Since you have all your information together from the last lender you should be able to easily give that information to another lender if you wish to do so. [self promotion deleted by Zillow moderator.
For example, if you pay $3,000 in closing costs and save $300 a month, it will take you 10 months to recoup your costs, making refinancing a good deal if you plan to stay in the home more than 10 months.