80% LTV Refinance on 3 family

[Ethan Max]

I'm looking to refinance my 3 family home out of an FHA loan and into a conventional loan to save money on my mortgage and remove the PMI. The home is currently my primary residence and I intend to keep it that way. The Freddie Mac guidelines on this have the LTV at 80%, however I can't find any lenders willing to do anything besides 75%. Does anyone know someone willing to get me an 80% LTV in the New York/ Connecticut area?