Thanks for the information,
based on comparable home sales in my area I estimate I have anywhere from 12-18 percent equity..the plan was to refi into conventional once I had ~25 percent. Probably < 5 years into the loan..does that make sense?
Are you limited to a certain area? (I'm in norcal)
thanks again for the info if you can work with me in the future I'll make sure to keep your contact info.