How can I refi with less than 20% equity?

[Anonymous]

It's so frustrating. If I didn't pay my bills, or didn't put 20% down when I bought my house 3 years ago the options are limitless. However since I now only have 14% equity due to the ever declining market, I'm stuck at 5.125% even though what I'm really trying to do is re-fi to a 20 year rather than the 30 I'm in. I'm not even trying to decrease payments, but I'm not going to increase them for PMI, that's for sure!!!!!!!

PP, just curious, but where is your house that it has declined in value since 2009?

[Anonymous]

For Harp 2.0 you had to purchase before 2009, correct? We purchased after 2009, so we don't qualify for that either.