Underwriter says NO
Is this a Short Sale purchase? What is the problem with your loan?

House underwater, what are my options for refinancing?
It will depend on your situation.Possible options are:1. Loan Modification, i.e. rate reduction or term extension to lower payment, principal reduction, payment assistance, etc.2. Refinance - HARP3. Short SaleCall Edward Kim at 855-411-4112 x111. I may be able to assist you with proper sources.

Do you do loans in Virginia?
I am sorry. Currently I am doing loans in CA only unless it is commercial loan.Thank you for the offer, though. Edward Kim 949-385-0701