I have a CAL VET home loan. Can I get my loan reduced?

With all this TARP buisiness going on I would like to refinance my home with my lender, CAL VET, I currently have a 41% monthly mortgage/income ratio and I understand that TARP makes lenders go to 31%. Anyone know what I can do? My home is 60k less than what I owe on it now so i cant sell it.

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