I'm at ~110% LTV for a condo in CA with excellent credit. I could put in extra principal if needed to get to 105%.

If you have a loan serviced by Fannie Mae or Freddie Mac then you should be OK as it stands with the new HARP rules or even the old rules. So if you pay your mortgage to B of A or Wells Fargo, that is usually not who owns your loan. To see who owns your mortgage, go to: http://www.fanniemae.com/loanlookup/ and http://www.freddiemac.com/mymortgage/ and let me know what they say. If you have issues, I can help you. My number is (866) 385-1650 or hans@hansblog.com and I am in CA as well.

Assuming your loan is owned by either Fannie Mae or Freddie Mac, Under HARP 2.0, you can refinance with no LTV restrictions... contact a local mortgage broker, not a bank, and apply with them... they know the HARP program inside out, and can advise you on the right product for your specific property type and scenario... WilliamAcres.com

You should contact a mortgage broker and have them look up whether you qualify under the new Harp 2...

Unless your loan is owned by Fannie or Freddie, it will be difficult to find any lender that will refinance you. If it is owned by them, in just a couple of weeks, HARP 2.0 will remove the current LTV caps and you will not have to bring additional to refinance. Work with your local Mortgage Banker/Broker, rather than one of the big banks, or your own bank. We have already heard that most of the big boys aren't going to be able to handle the volume they are expecting. Your local mortgage Banker, (Like us, have their own in house underwriting and funding, and aren't impacted by the bank's inefficiencies. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com