If I convert my loan from FHA to conventional, do I get a refund on upfront MI paid?

When you "converting" from FHA to Conventional financing there is not refund of FHA premium. FHA to FHA will allow for a portion of the upfront MI to be eligible for a prorated refund.

Unfortunately no, unless you meet special circumstances. You can look up more information on this at https://entp.hud.gov/dsrs/refunds/Now, while looking for a conventional loan, look at the fees to see if the mortgage broker is rolling in mortgage insurance to your closing costs. Many who refinance are told that they do not have MI, but are really pre-paying for coverage through fees at closing. Do not fall prey to that scenario. Current regulations state that you can request a conventional lender discontinue MI at 80% LTV and it is mandatory for a conventional lender to cease MI at 78% LTV. Shop your rates and your brokers. Try the old school approach by finding a local loan professional to deal with during the entire process instead of an online solution. Best of luck during your refinance process. Scott.

No, only on an FHA Streamline and your current mortgage is less than 3 years old.