Can I still refinance out of PMI on my 15yr FHA loan?
Written By: admin on June 27, 2009
One Comment
I have a 15 year FHA loan that origninated June 2 2008. I had a 10% downpayment and had upfront PMI tacked on to the loan. I would now like to refinance to a 30 year conventional loan with 20% down. Will a percentage of my current PMI be removed or have the laws changed?
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If you refinance to a conventional loan with 80% or less loan to value ratio (effectively like a 20% down payment) you shouldn't have to pay any monthly PMI but you will not get back any of the upfront PMI you paid when you took out your original mortgage.