Can you give me some kind of time frame?
Minnesota refinances take three weeks with our bank, it doesnt matter if it is conventional, FHA or USDA. Also, don't pay any attention to anyone that try' to persuade you not to use a national lender, the size of the bank has more to do with how fast the process takes rather than the location. ...

looking at HELOC after a foreclosure...but we now own our current home outright
Presently none of the large banks will give you a heloc if they can find anything derogatory, no matter how long ago it happend. What you might do is reconsider talking to your credit union, offer them the chance to put a lien on your new home as long as it is a line of credit sufficient enough to consolidate...

Will I have to pay FHA PMI for the duration of the loan if I refinance now that the rules have changed?
the official rule changes starting today (April 1st) are not as quite onerous as initially indicated. Steve Justice 612-305-2287 Golden Valley, BNC National Bank