This will probably take a few weeks to come into effect so I would wait a little while if I were you. I think your best course then is first of all to contact your lender. If they can't or won't help you, call me before you start shopping around for a new one. I will have a lot more relevant information for you by then. The good news is that your loan is conforming so this new plan should be able to help you.
Bernard Gibbons, Realtor, e-PRO Certified Internet Specialist
J. Rockcliff Realtors, 15 Railroad Avenue, Danville, CA 94526
Phone (925) 997-1585
The best loan officer I know of, works for Countrywide, and she is very good at what she does. Her contact info is: Mia Garcia, Cell 925 989-6151, Work 925 426-5200. She will be able to help you. When you call her, just tell her that Jerry Flynn from Old West Realty Referred you to her.
Good Luck, and have a Great Day.
Old West Realty Inc.