You may be able to refinance under the new Home Affordable Refinance Program. I have written a blog all about the program. Please go to the link below to read it. Looks like your credit score is great for this plan and you have no missed payments. If you think you qualify give me a call or write me an e-mail and I can help you refinance your mortgage.

Thanks,

David Cruickshank
Ardain Mortgage Corp
847-354-5455

I think you should talk to some other lenders. There are a lot of different mortgage programs out there right now. It is frustrating because a lot of the lending criteria changed at the beginning of this year. Shop around though. Each bank has different lending options. They are not all the same.

I hope that helps!

Have you asked your lender for a loan modification? Do you have any type of hardship that may qualify you?