Conventional loans are still able to be refinanced.  While there is not mortgage insurance for Conventional loans that have Loan to Values over 80% many borrowers who have 20% or more equity in their home can take advantage of lower rates and or take some equity out.    Borrowers can also refinance 2nd homes and investments properties.  There are several restrictions on Investment properties Refinances so please contact me today about Loans for  Investment Properties.   For home owners who’s mortgage is owned by Fannie Mae or Freddie Mac borrowers can refinance up to 105% of the value of their home.  Please see our Fannie Mae and Freddie Mac Refinance  page for more information.    Conventional Refinances are available with both Fixed and Adjustable Rate Mortgages.