Refinance help with 95% LTVWe are like many homeowners that have Fannie Mae, PMI and we acquired by Fannie a month after the Harp 2 cutoff when we refinanced back in 6/2009 Is there someone out there that could help us refinance? We were just appraised in November at $325000 and we owe 313,000. We could pay it down to the 95% if that would help us get a better rate than our current which is 5.375%. The big banks want about $8-10K in closing costs which we don't have with two kids in daycare. Let me know if there anyone that could help.January 30 2013 - Austin0YesReport 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.