As long as you took out your FHA loan before January 2015, which you have, you will need to request this directly from your lender. There is not a guarantee you will not need an appraisal if you are using your home raising in value. If you are below 78% on your amortization schedule, you should not need an appraisal. Please comment back on here with an update after you speak to your lender. Be cautious if they say you must refinance into a conventional loan. FHA MI premiums are now different compared to when you entered your FHA loan.