Any hope for a refinance when NOT backed by Freddie or Fannie when underwater??Good afternoon!!!! Here is my situation, I really hope someone has a good idea so that I can refinance at these great rates. * My appraisal on my house came back lower than what I owe. Therefore, I am unable to refinance through my bank, Chase. Of course found that out after the non|refundable fee * My loans are NOT Freddie, Fannie, FHA, or VA * Credit is excellent * I have never missed a loan payment * I own my own business, but I have passed the three year mark. This has become so frustrating. I tried to refinance shortly after losing my job and starting my own business and I was turned down. I just tried again after waiting the three years of having my own business. The finances are now fine but my LTV is too high from a renovation I had done 1.5 years ago. I am over 6% right now. Any option?????????? Thank you!!!!!!May 20 2013 - Aurora00YesReport 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.