Considering a DU Refi Plus - need advice!I am looking to refinance a condo I purchased in June 2006 as my primary residence. Property is financed through Suntrust. Property was purchased for $168K with a 30-year fixed, 6.5%, conventional loan. I have been renting the property for the last 2.5 years as I moved out of state and currently take a nice hair cut on it each month. I currently owe $138K on the property and have been paying extra on my payment each month to get it down (set to lose PMI on my current mortgage in Nov.).Every 6 months or so I do some research to see if I have any options available and I always hit a brick wall - Suntrust tells me they wont talk to me unless I miss two payments (I have never missed a payment or been so much as a day late).Recently, I received one of those ridiculous looking letters in the mail that look like they are from gov't entity stating that they specialize in refinancing properties that are underwater - I decided to call this morning just to see.After giving all my info, it sounds like I actually may be eligible for the DU Refi Plus program. My payment is currently $1122/ month which includes principal, interest, PMI, and taxes. New rate would be 4.375% with an APR of 4.86%. New monthly payment would be $881 and would include everything as well. Monthly savings would be $241. New loan amount would be $142K with a LTV of 105.25%. From what I have read this Harp 2 refi options requires that the LTV be greater than 105% right?Overall, I am curious if this is about as good of an opportunity as I will find to refinance this property? Would love some advice if possible.August 02 2012 - Savannah00YesReport 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.