Refinance HelpI bought my house a less than a year ago for $124,000 and currently owe $118,000. I did some renovations and do believe the FMV(Fair Market Value) of the home is near the mid to upper $140's. I also did comps and see the properties around my area for that same price. Now I currently have a 30yr FHA loan and would like to refinance to a conventional. What are my options without having 20% equity? What if my home appraises for $140 or higher?October 02 2012 - Franklin Park00YesReport 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.