Dont automatically rule out a conventional loan just because of your credit standing. Whats the difference between a conventional refinance and HARP. If you have at least 20 equity in your home, you will receive a standard conventional refinance. With less than 20 equity, your loan will be through HARP if you meet the requirements.

A HARP loan is simply a conventional refinance that allows you to refi with little or no equity in the home. Why get a conventional loan. Why not refinance with FHA. FHA can be cash loans london ont to refinance, but its typically for homeowners who cant qualify for conventional due to past credit issues. Because if its flexibility, an FHA refi is more expensive.

Most homeowners who can qualify should opt for a conventional refinance.

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