Conventional Refinance Rates, 2018 Loan Limits and Guidelines. A conventional refinance is the loan of choice for many homeowners in todays market. While HARP and FHA have dominated the refinance market in years past, the standard conventional refinance is becoming the go-to option now that home equity is returning across the nation.

With a conventional refinance, homeowners can: Refinance a primary residence, second home, or investment property Turn the homes equity into cash at closing Eliminate private mortgage insurance (PMI) Cancel FHA mortgage insurance Shorten the loan term.

Conventional refinances rates are low and there are no upfront or monthly mortgage insurance fees required with 20 equity. This is why homeowners are turning to this loan type as a low-cost alternative to other refinance types.

Conventional Refinance Rates.

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