What do you mean refinancing "for" an FHA loan? Do you currently have an FHA loan and you want to lower the rate? If that is the case, no comps are necessary. Do you have a mortgage now? Who is the lender? Again, if you are not taking money out, maybe you don't need an appraisal. If you are going from a conventional loan to FHA, then you do need an appraisal.
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