Monetary Literacy--The Massive Drawback Nobody Is Talking About

Question, purchased a house 7 years ago with typical financing. Misplaced this residence in foreclosure 5 years in the past.
Bought another residence four years in the past utilizing FHA financing. I now want to refinance to conventional financing to remove the mortgage insurance. I am being advised I can not as I have to have the FHA loan a minimum of 5 years. Is this appropriate? Any method round it?
Thanks

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