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In addition, conventional PMI drops off when you personal loan comparison tool 20 equity, while FHA mortgage insurance remains for the life of the loan. Borrowers with a conventional loan should look into the HARP refinance if they do not have 20 equity. HARP does not require mortgage insurance at all, making it the cheaper option.
For homeowners with 20 or more equity, the decision is easy. Conventional loans dont require upfront or ongoing mortgage insurance at this loan-to-value ratio. What Conventional Refinance Loan Lengths are Available. The most popular conventional refinance loan terms are 15 and 30 years.