My home is paid and we want to take advantage of the low rates and borrow 100k home value is 225kmy current fico score is 650, would I be better off going 15 yr conventional or 15 yr fha.and what can i expect to pay in costs for a 100k loan to closeJuly 06 2012 - Atlanta00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.