LPMII got my current mortgage in 2006 with an interest rate of 6.875 with the understanding that the lender would pay the MI. I agreed to a higher interest rate for the lender to pay the MI. I was exploring refinancing through HAPR recently and found out that neither the original lender (TBW) nor the current serrvicing agency (CENLAR) ever paid the MI. In other words, they have been getting the money from me over the years by charging the higher interest rate, however, they have not done their part. Because of this, I am not eligible for HARP refinancing. What can I do to fix this? Shouldn't they pay me back what I have paid extra over the years for the lender to pay the MI? Any guidance on this issue will be greatly appreciated.Thank you,Yasar BodurOctober 26 2012 - US00YesReport 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.