Friday, 21 December 2012

What are my options for refinancing an FHA loan to a Conventional ...

Hi Biglotsure,

If you pay your FHA mortgage without additional payments to principal, there is very little chance of getting to the 78% figure in 5 years or less.
If you switch to?a conventional loan, and are over 80% LTV, then you will rid yourself of the FHA MMI, but PMI would come into play.
Has your loan officer suggested 5% down and going conventional now, foregoing FHA altogether? I have run that by many of my clients, and it saves them a lot of money. Two clients even opted to pay the PMI as an upfront charge, freeing them of a monthly fee totally.
Best wishes for a smooth closing! Jim

Source: http://www.zillow.com/advice-thread/What-are-my-options-for-refinancing-an-FHA-loan-to-a-Conventional-Loan/471713/

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