I am looking to refinance my primary residence in California(Alameda County).

Current loan details:
- Home Purchase Price: 722k
- Loan balance: 625k
- Current interest rate: 4.375%
- I am paying monthly PMI, loan originated in December
- Loan: FHA Loan

- This is my primary residence

Credit Situation:
- Foreclosure in Apr' 2010
- Credit Score: 700+
- Debt-to-income - Less than 30%
- W2 income
Looking for:
I am looking for refinance in order to avoid monthly PMI and reduce interest rate
I can bring up the LTV to 80%, if I can avoid monthly PMI.

Please let me know the possible loan options.

Thanks

--uday

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