Glenda, if you have an fha loan, you can refinance without an appraisal. Use the company you are already with, and ask them about this program. As long as you have made payments on time for two years, they will do it. I did it a 18 months ago, and wells fargo even picked up the closing costs so it didn't cost me anything. I was about $40K underwater at the time and went from 6% to 4%. I think they call the program "Rolldown".