Can I refinance even though I more than my house is guilty?

I bought my first house in 2007. It seemed like a good idea at the time … I ended up buying a condo 2bed/1bath 170K in Scottsdale, AZ area. I have over 8K below. Make a loan of 162K. interest rate was 5.95%. Not bad, thought ich.Jetzt three years later I paid the mortgage up to about 150K. (I should pay extra every month), but the house is probably only worth about 60K-110K, why such a range of other sites have said things to different estimates. I do not know until I feel I did not until I, when refinancing remains at hand for me have kennenlernen.Ich ‘because everyone who can is now ready to use <4.5% interest. I would too. But I heard you can not refinance a house a little over 80% Loan to Value (LTV). In my best, I'd be a 136% LTV. So I'm out of luck right? Well, I heard that some places are offering refinancing if your credit is sufficient. My wife and I are both well over 750 on our credit reports. We never missed a payment on nichts.Also is my question? Refinancing is possible for someone in my situation? If so, who do this kind of transactions?

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