Conventional Refinance

A conventional refinance is the process of replacing your existing mortgage with a new loan that is not backed by a government agency (such as the FHA, VA, or USDA). These loans follow the guidelines set by Fannie Mae and Freddie Mac and are typically available through private lenders like banks or credit unions.

Advantages of Conventional Refinance:

Lower interest rates
Reduced monthly payments
Build equity faster
Cash-Out options
No mortgage insurance (if enough equity)
Switch from FHA or VA to Conventional
Flexible terms

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