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The answer depends on who owns your mortgage. As Ms. Levinson mentioned, if you have an FHA mortgage, you can check into a no appraisal - streamlined refinance. They will use your current mortgage and the purchase price to determine your LTV. With FHA rates in the 4s, that should be a piece of cake.If you have a conventional loan, like most people received in 2006, you need to know if Fannie Mae, Freddie Mac or a bank own your loan. If Fannie Mae or Freddie Mac do, your bank is still servicing it, but the bank doesn't own it. You can check at the below sites to see if your home is owned by Fannie or Freddie. If either one of them own your loan, you can check into HARP. Your lender should be able to see if you would qualify for it without any cost to you upfront. (these programs do have appraisal waivers sometimes in the approval findings).
If the bank owns it, you will need to go to them and ask what your options are to refinance.If the links don't work, then please google Fannie Mae lookup or Freddie Mac lookupGood luck to you!
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