Non-Harp refi options for very high LTV?I refinanced in Feb 2010 (under the Freddie Mac "Relief Refi" program) to a 5/1 ARM. Rates have dropped significantly since then so I would like to refinance with a new fixed mortgage. I understand that I can't use any HARP program because I already refinanced in 2010. Are there any attractive options available for a new fixed loan (at the really low current rates)?Details: LTV (in 2010): 97% Loan amount: $383K Credit: Excellent Income: $85k (verifiable long term job) Single Family home, owner occupiedAugust 31 2012 - Madison00YesReport 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.