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With Loan To Value Lesser than 80%, you can go conventional loan. there is not need apply for Making Homes Affordable Program.You can try Zillow mortgage quotes or go to your local small mortgage office to apply for the loan, or go to BankOfAmerica or CitiMortgage to apply for the loan (the big banks are a little more expensive).I just refinancing my home LTV is 80%, 4.375% interest rate, 15 years term by small mortgage office.If you unsure your home value is more than $240k, usually the small mortgage office works together with the realtor, the realtor can help to do the comp before they open the loan application and hire the appraiser (today the bank hires the appraiser)
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For Sale: $129,900
For Sale: $295,000
For Sale: $765,000