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Most refinance applicants will only need to supply pay stubs, a W2, and a bank statement if any cash is required to close the loan. The borrower can wrap closing costs into the loan, making the HARP program the next best thing to a conventional streamline refinance program.
2018 Conventional Loan Limits. The standard conventional loan limit is 453,100. A qualifying refinance applicant can open a loan for at least this amount anywhere in the country. But Fannie and Freddie allow higher limits in some areas.