Open Question: Are there any refinancing options for people with $0 equity in their h

[Administrator]

My husband and I own a home, bought it in 9/07 with $0 down. At the time, our bank was offering a 80/20 loan, to avoid PMI and for tax purposes, but our interest rates were 6.5/8.5, respectively. Our credit scores are around 700-775, and we are in no way about to lose our home, like so many others out there, we are just looking to refinance to save money monthly with a lower interest rate. Are there any (legitimate) banks out there offering refinancing for 80/20 mortgages, or just the 80% mortgage?


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