Another HARP with PMI question....Hello. Planning to apply for refi soon and would like to clarify the info I've seen.My TH was purchased 10/08 . Original loan via my credit union is Fannie Mae. Loan balance=207k, zillow est is down to 225k (92%LTV). PMI- monthly I pay $48. MI is through CMG Mortgage Ins.Zillow refi quotes est MI at $102 monthly.Credit Union 10/11 said about $130 but now says can continue $48 rate for HARP.So, I need to contact CMG to find their refi rules for same or new lender? Can any new lender use CMG if they will continue the $48 rate or is CMG only going to work with credit unions?And finally: HARP loans do not have PMI if there is no PMI on the the existing loan?Even if the Harp refi LTV is greater than 80% ?Can I pay off the PMI on my current loan- it reaches 80%LTV in about 50 payments ( 50x$48=2460) to avoid a higher PMI for a longer time if HARP refi elsewhere?What I'm looking at is the credit union can drop my P+I from 1260 to $990. Some of the zillow offers are in the $915-930 range but thats a wash for years with the increased monthly MI. I'll check the total costs of those low rate quotes and see what is the most favorable refi option.Thanks in advance for any info.Regards,December 08 2011 - Tampa00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.