Coventional mortgage! I am still upside down

[Sean Cavanaugh]

I just found out my home Is valued at 231,000 down another 30,000 from 7/2014. I purchased the home in a affluent town of RI which I paid 378,000 back in 2004 with 20% down.  Soon after we took out a 20,000 2nd on the home. My current rate in 4.75 on the 1st. after a refi in 2009.

I'm still in a conventional mortgage is there any programs out there that I can get a even better rate or reduced payment?