Ah....Now I see what's going on, I think you may have to either wait for an update with Fannie Mae/Freddie Mac's automated system which could have happened during the time period of your last post. Also many homeowners are now finding that they don't owe more than the home is worth. If this is the case, programs start at having 3.5% equity for FHA and 5% equity for conventional. If this is something I can help with please don't hesitate to ask. I wouldn't mind taking a look deeper to find out if there are any alternatives available to you at this time.Scratch the possibility of LPMI...I have some strange loan that lifted requirements for any PMI which excludes me from harp. Ugh I'm stuck in this crappy loan and there's no end in sight. Any idea of anyway around this?