That's now a distant memory thanks to the "war on terror" and it's associated (unfunded) wars.

As AllCash has already mentioned (you have quite a memory there 8) ), the PMI drops off at 80 LTV (loan to value)---based upon the figures you provided, your current loan to value is 88...There is no benefit to a rate and term refinance at this point, if your intent is to eliminate PMI...There might have been a time when comparing a refi option with LPMI (lender paid PMI) might be feasible, but in the absense of more info (and prevailing market conditions), you might be better off leaving things alone.Regards,Scott Miller

Its actually a dvd or at least it was last year of a very boring guy that talks non stop for four hours.It doesn't have any diagrams or anything.

You always hear people say 7 times to memory.

Well, there is this saying about the Rainbow Bridge to happiness for pets.When we lost our companion back in April, we made an online memorial over at http://www.ILoveMyPet.com

Like everything else in this 30 second attention span society, the media foreclosure fad will swirl down the memory hole.Good Luck,Jason

Well anyway, your post brought back some memories of being stationed there.

Their credit is usually shot by that point anyway and unless you go at them with a way for them to keep their HOME, what incentive do they have to hand over their equity and their memories to someone who obviously will benefit from their misfortune?

The picture is a blast from the past memory jogger......Funny how the mind works.

Brings back some old memories about a condo deal I lost thanks to an agent who had no morals......It's all good, though!