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Estimated appraised values are often inaccurate, but they're close more often than not. As far as I know there isn't anything available out there over 100% LTV (and it has been some time since there has been). Some people in your shoes have had success with requesting a loan modification (not a refinance) directly from the lender. Many more have been frustrated by that process. It doesn't hurt to call and ask them about it.
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For Sale: $109,900
For Sale: $69,000
For Sale: $50,900