When mine came up for renewal I didn't have to re-qualify. However I did just go with the original lender that the previous owner used. They just sent me the papers with the offer to renew, and I accepted.
THP- you may want to explore assuming a mortgage. If you can get one in this kind of market; that might be the hardest part. 2nd hardest is finding a realtor who deals with assumables. My first realtor told me that assumables were dead. I found another guy who advertized he specialized in assumables. He got me all set up. If you are looking at assuming, PM me and I can give you his contact info.
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