You can refinance any type of loan with a conventional loan. With as little as 5 equity you can refinance. FHA loans USDA mortgages Alt-A loans Subprime Loans Option ARMs Adjustable rate mortgages. My appraisal shows a lower value that I expected. Can I still refinance with a conventional loan. Possibly. The refinance may require mortgage insurance. Even with that cost, it still might be worth refinancing.

Also, look into a HARP loan, which does not require mortgage insurance. Im not sure about my credit.

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