why is it that I had a loan to value of 80% or better in 2007 and the banks and realtorsinflated the values or gave loans to people they shouldnt have. Now when I go to refinance my mortgage I have to pay pmi. I put down 100,000 on my home and have 810+ credit score and I am being treated like someone who is a risk. I am not the problem banks and realtors are the problem.August 17 2011 - Southaven00YesReport 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.