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 Lowest interest personal loan bank 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. Because if its flexibility, an FHA refi is more expensive.
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