PMI is tied to your LTV (loan to value). If you are purchasing and your down payment is less than 20% down or if you are refinancing and your equity is less than 20%, your are required to purchase PMI (private mortgage insurance). Where a fico score of 670 will affect you is in the cost of your monthly PMI coverage. You monthly PMI will be higher than someone with a fico score of 740 for example. And one final note, you can currently obtain a conventional loan with a fico score of as little as 660. Good luck!
How can I report it to Zillow?
I agree with Rob. Look for the best deal and go with it.
You can do an FHA mortgage and do what is called a gift equity.
Most of the time you recieve a review request from an agent or lender.
You should definitely look at what phase the project is in and if other phases are going to continue to be built or liquidated. If you part of an early phase, you may be buying too high. KB is liquidating many projects and leaving their early buyers upside down on their purchases.
Contact the customer service department of your local title company or ask your realtor. It's very easy to look up.
Unfortunately, you need employment to qualify for a refinance. You can try and do a loan modification with your current lender but they require that you be employed as well. Your only option may be to sell your home.
Most lenders now offer what's called a short refinance. You must negotiate with your current lender showing you have a hardship and trouble making payments on your current mortgage. If successful, your current lender will agree to recieve a short payoff on your mortgage (similar to a short sale). One you negotiate the short payoff, FHA offers a program to get you approved for a new loan. This can be done on your own. Be aware of companies trying to charge you for the negotiation of your short payoff. Good luck.