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1) see if it is eligible for the HARp program http://www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx2) contact present lender / servicer to see if they can offer any " internal type refinance options3) pay the loan down so you are at 80% loan to value and do a regualr refinance
If the loan is owned by Fannie or Freddie you can if the loan was written before mid-2009. If it isn't a Fannie or Freddie it will probably be difficult. The good news is you 5/1 ARM would probably adjust to a rate lower than today's fixed rates - depending on how the note reads.
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For Sale: $329,899
For Sale: $144,900
For Sale: $140,000