What are my options if I have 90% or so LTV? Can I refinance at all? I ahve good credit.

You may even be able to refinance without mortgage insurance if your mortgage is owned by Fannie Mae or Freddie Mac.

Hi. 90% Loan to Value is very doable, provided 'good credit' means your middle credit score is over 640 and you have no mortgage lated in past 12 months. FHA loans with 25 and 30 year fixed terms are at approx 4.625%-4.875% depending upon loan size and actual credit scores. 20 year fixed rate loans are approx .125% lower. If you want to look at a 15 year fixed, you would not have to pay monthly mortgage insurance and rates are approx 4.25%-4.5%. All these scenarios are with NO POINTS and minimal title fees. Feel free to call me directly at 866-901-3576. Thank you for the opportunity to assist you and your family.Patrick McCarthyNorthpointe Bank866-901-3576