I also wish I had a better answer for you as well. If you feel that you are not being dealt with honestly, then since you did not have any appraisal expense with your current lender you don't really lose out by trying another lender. As Ted mentioned in his answer, FHA changed the game for Streamline FHA refinances on us, so we are all stuck with the same limitations. Pricing your loan higher does offer the option of getting most of your closing costs paid. In order to be more specific, we'd need to get more information about your situation. Let me know if you need any help.
Brian S. Cardenas
President / Mortgage Consultant
Antigua Capital Funding
Email: brianc@antiguacapital.com - Tue Dec 8 2009, 12:57