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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 used to refinance, but its typically for homeowners who cant qualify for conventional due to past credit issues.