Can I refinance an FHA loan from 2022–2023 into conventional?

Often, yes. If credit and equity qualify, moving to conventional can remove mortgage insurance and reduce the payment. We will check value and score tiers before locking.

Do results differ across Waukee, West Des Moines, and Des Moines?

Rates are market-driven, but appraisals and mortgage insurance removal depend on local comparable sales. Dallas and Polk County data has supported many recent refinances.

Will I restart a 30-year term?

No. You can keep a similar remaining term or choose 25-, 20-, or 15-year options. The goal is the lowest lifetime cost that still fits your monthly budget.

What happens to my escrow balance?

Your current lender typically refunds the escrow balance a few weeks after closing. The new loan sets up a fresh escrow account, so plan for a short overlap.