Which refi loan would be our best choice? House in 32750 with a balance of $119,000, but a value of $100 - to 115,000...good cred.

Best choice would be the HARP refinance.....it's a government program which will go down to about 95% loan to value of house. Your home must be owned by Fannie Mae or Freddie Mac.

It depends on when you closed on the original loan to determine whether you are eligible for a HARP refinance. You must have closed on the home on or before 6/1/2009. Check out each of the below websites to determine if your mortgage is guaranteed by Fannie or Freddie. If so, that is your best option because it doesn't matter how far underwater you are.Fannie: https://knowyouroptions.com/loanlookupFreddie: https://ww3.freddiemac.com/loanlookup/

HARP.

If your existing loan is FHA, VA, USDA and Conventional, then they all have refinance options where an appraisal would not be required or the loan to value would not be an issue. But the only way to know for sure would be to contact a local mortgage broker and let him look at your complete loan profile.. he should be able to give you all your options.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com