Mortgage refi question...giving it one more tryOur current rate is 6.875% with 30 year fixed. The loan total was $260,000 & the current balance is $243,000, the loan payment is $1,708.01 with $125 in PMI.The property is valued between $240,000 & $260,000. I have considered a 401k loan to secure a deposit to avoid PMI. The original loan is in my wife's name & we'll leave it that way. Her current credit score is 665 Experian & 705 TransUnion. Annual salary is $92,000.00 + a 3.85 bonus paid annually.What are our odds of a favorable refi without HARP? I fear it may be an FHA loan, how can I verify this?April 25 2012 - Hillsborough00YesReport 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.