<prompt> Human: EDIT -UPDATE: I refinanced with Quicken Loans. They had an awesome electronic system that let me do almost everything I needed to online, and their people were super-helpful.Heres the lowdown:Im 30. I have a live-in GF and new son. I have really good credit, think 740-ish. I bought a duplex in late 2008, right as the financial world was in full collapse. It was an FHA loan, but its not through Fannie or Freddie. Between renting out the first floor and such, Im paying MUCH less in the end than renting in the area. Technically Im upside down since I still owe about 200K and the house is worth about 125K.I honestly want to stay and pay everything off, so please dont tell me to walk away. The problem isnt making the payments, I can afford to pay a lot extra, actually and I did for a while. The problem is that I want to refinance the 200K at 3.5 instead of 5 so I can pay the whole thing down faster. If I could get refinanced today, I could pay off the whole loan before my son finishes high school. I dont mind paying more for Mortgage Insurance, since that will go away after a few more years, freeing up even more money to pay-down the principal.Basically, I should be able to streamline refinance via FHA, through an approved lender. The problem is that every bank that Ive approached runs away screaming when they see the 200K125K ratio. They all basically say We can only make this happen if you can bring 70K to closing.Ive tried credit unions, local, and regional banks. The only think I havent done is call those places that send me mail every day that sound kind of sketchy e.g. NO CREDIT CHECK, NO CLOSING COSTS, NO APPRAISAL, WE CAN REFINANCE YOU!.Im just a little angry, this Quantitative Easing is supposed to be my bailout, but nobody wants to let me participate! In the meantime, Ive decided to stop paying extra principal and divert the money to investments, home improvements, and paying-off higher interest debt theres not much.  <response>: Haha, you thought Quantitative Easing was for you...lol 