bought it so can I refinance with a new appraised value price? Is there a government program for loans like mine? I'm not in hardship.
There are a lot more details to add, Mike, but you sound like you'd have no problem refinancing if your home's value hasn't gone down to more than you owe.
There are government plans (Making Home Affordable), but you should try directly with you lender first. You may qualify for a conventional refinance.
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