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None. I applied for the FHA Streamline Refinance because I was looking to lower my fixed rate mortgage from 4.75 % to 3.5-4.25 % fixed. I called and spoke with XXXX XXXX in the Direct Lending Department. I advised him I am a former beneficiary of the Federal Emergency Home Loan Program and the FHA HAMP. At first I asked him if Flagstar Bank would subordinate to XXXX XXXX who had already preapproved me for a lower rate ; however, XXXX said that I could get a lower rate through Flagstar. XXXX XXXX had made me believe that it would be worth pursuing an FHA Streamline Refinance. Ultimately he said I do not qualify because they could only offer me a rate of 4.68 % because of my credit. Since my rate is currently at 4.75 % they would not reduce it to 4.68 % because it is too small of a change. I