I have a good rate (3.75%) but have a MIP that is still the recession rate (HIGH) and am wanting to refinance to get that adjusted down. I have a 30 year FHA loan with the last refinance in April 2013. I have since read about USDA loans. One lender was helping me refinance to a USDA loan but was not able to get an appraiser out before the lock ran out so I decided not to pay to extend the lock. Since then I chose another lender who works with USDA loans and she said I could not refinance from an FHA loan to a USDA loan. Who is correct?