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We are going FHA initially due to credit issues (BK less than 4 years ago) but once the 4 year mark passes, which will be in 2014, we'd like to refinance into a Conventional loan and put down 20% to get rid of PMI.
How much is a typical refinance like this? Loan amount would be around $240,000 (after the 20% down).
Is it the same as when you first buy a house and go through the closing process or is it less?
I can't speak to the refinancing costs, but it is entirely possible that your interest rate on the loan now will be several points lower than you would be able to get with a conventional loan in four years.
Oh, it wouldn't be in 4 years, it would be next year in early 2014.