LPMI and TAMI--what's the difference? And why can't I refi under HARP?Hello, I have a Fannie Mae backed loan that I'm paying .875% extra with TAMI--the loan is with Bank of America/Countrywide. We have excellent credit and were trying to refinance under HARP with them. They told me that I can't refinance with them because we have TAMI---but if it's Lender Paid Mortgage Insurance, then how can they get away with this for me and the millions of other who are underwater, and just want to refinance under HARP? All the research I've done on the internet says that TAMI is just a fancy program name for LPMI---which under Fannie's desktop underwriting system is okay to refinance under HARP. Please advise.August 28 2009 - New Egypt00YesReport 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.