I would like to refinance but I am currently about $60,000 upside down on my mortgage. I have good income, excellent credit rating and minimal debt.

If you have a VA or FHA loan there are options for you ,but depending on your loan to value ratio on a conventional loan there are other options we can explore also.Please contact me and we can discuss your options.Here at BNC National bank we are a national lender with competative rates and fees.Patrick Bodine SR.Mortgage Consultant 650 Douglas Drive North Golden Valley, MN 55422 Cell:651.248.0467 Office:612.305.2284 Fax:612.766.9884 Email:pbodine@bncnationalbank.com Website:www.bncnationalbank.com/minneapolis/pbodine

If you are currently in an FHA loan please contact us at: info@SchwabMortgage.com there may be an option for you. If not, contact your current lender and see what options they might have for you.

I would contact my lender to find out what type of programs they have to refi your loan at the current market value. There are ONLY 3 Lenders that I know who will do a short refi at the moment. What's the name of your present lender?