You can refinance your loans through the Fannie High LTV program which was specifically designed for cases where borrowers with good credit have lost value in their real estate. Shoot me an e-mail if you want to pursue this. Advisors Mortgage Group is an FHA direct lender approved in New York. lharvey@advisorsmortgage.com

Do you know if your mortgage is Fannie Mae or Freddie Mac serviced? If so, you may qualify under their high LTV refinance programs. You can check your mortgage for eligibility here: http://www.firstmortgagecorpcolorado.com/homeaffordable.html