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Need Refinancing help in GA under HARP 2.0, with no closing cost - 15 year

I tried to refi with with my current lender, but they denied saying I don't meet LTV requirements - My current principal balance is 225K and the home was appraised for the same amount (in 2009 it was appraised for 260K). The loan is owned by Fannie Mae, but have mortgage insurance - last refinanced March 2009.
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November 04 2012 - Cumming
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