Improving house prices and increased availability of private mortgage insurance should provide greater opportunity to FHA borrowers to refinance to conventional loans, according to a recent report from Barclays Research. FHA annual mortgage insurance premiums are set to go up another 10 basis points on April 1 for most loans, except mortgages originated before June 2009 that are being refinanced through FHA’s streamline refi program. Those loans pay just 1 basis point in upfront premium and 55 bps in annual premiums. The most recent available data – through November 2012 – show...