Your assets are reviewed for funds needed to close (down payment and cost) plus reserves needed after the close. If you are using interest and dividends as income to qualify then confirmation of the assets is needed to make sure you have them at closing.
Changing from FHA to conventional loan will require a new appraisal to confirm current value and property condition. The new appraisal guidelines (to protect consumers) requires interior picture's of various rooms. If you keep an FHA loan and do a streamline refi with your current lender maybe no appraisal. But with your equity, eliminating PMI is a big piece of the refinance picture. Good Luck
Any mortgage late's in the last 12 months will disqualify you for the HARP program.
You can reprint and sign them. Few save the signed copies before filing anyway. Most lenders have you sign the copies you turn in during the process. Your lender will order a transcript to verify the ones you gave the lender match what is on file with the IRS.
You will need a credit score with any conventional loan program and most FHA lenders. You may find an FHA lender who will use alternative credit but they are hard to find. Take the time to establish credit and a score, you do not need to go in debt you just need a payment history.
Leave it alone if you are moving in 3 to 5 years it will take you 3.5 years to get back your $3000 cost. You will have more equity when it comes time to sell if you do not refinance.
Have BofA refer to HUD 4330.1 Rev-5 as it will lay out the guidelines for the assumption of all FHA loans. FHA loans are assumable but do have some restrictions and the new borrower must be credit approved. Assumption's were approved by an Act of Congress and BofA needs to follow the rules. Good Luck!
You have received correct information. Wait a full year and one day before making application and you will be able to use current market value. Also be aware that if you own more than 4 financed properties cash out will not be an option, only rate and term refinance may be done with conventional loan programs. If you need to cash out before one year your options are more hard money or maybe a lender with a portfolio loan program that will consider an exception.
Those fees are all connected to the escrow company and not lender junk fees for profit. You may shop different escrow companies for fee quotes to see who has the least number of junk fees. They are truly junk escrow fees! Good Luck.
Don't think you will find any takers on that request. Best I know of is 85% using an FHA loan. Good luck