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I purchased a home last March for $220K and used $20K from my 203K loan to "fix it up". My FHA 203K loan rate is 5.25%. I'd expect my home to appraise for around 250k at the moment. Would it make sense for me to refinance to a lower rate and possible go to a conventional loan to be rid of the MI? I could use some expert advice.
apply for the refi and compare where you are at and what you will get.
there are fees to refi. but the monthly savings will cover that over time.