You may be eligible for a streamline. If you have an fha mortgage, you can streamline without an appraisal. I you have a loan owned by fannie mae or freddic mac, you may be able to streamline. YOu will need to find out if one of these companies owns your loan. If you want me look into it, just shoot me an email with your address. I'll be more than happy to look into it for you.
Sr Loan Officer
800-793-9633 ext 185