There is always an option as long as you are qualified borrower. You can contact me at my office @972-573-3902 if you want to discuss your situation. There will be no charge for discussion!!!

Your options might be FHA streamline refinance OR if you pay some downpayment and support your appraisal value, you might qualify for conventional refinance or Conventional refi with Mortgage Insurance, which will reduce your interest and payment a lot.

Its always worth to discuss for any possible option for free!!!

Thanks!