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Refin Best Lender Average Credit

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hello currently in a FHA mortgage with 4.1% definitely want to refinance for the lower rates that's being offered credit is 7 00 and property has increased by at least $35,000 in value wondering what is the best option to currently do and what lender open to any suggestions. I have been receiving FHA streamline information from my loan company the TMS or should I try to do a conventional loan. My the way TMS is only servicing loan meaning probably will be selling it soon.

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Are you currently paying MIP?  If you do an FHA Streamline, will you have to pay (or continue to pay) for MIP?  


What is your approximate LTV (divide your current mortgage balance by the estimated current value of your home)?



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