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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. Fifteen year fixed rates offer substantial interest rate reductions over the 30-year. Ten, twenty and twenty-five year options are also widely available. Are Adjustable Rate Mortgage Available. Yes. Conventional refinances are available in an adjustable rate mortgage (ARM), fixed for the first three, five, seven, or ten years.