Is there a better way to Refinance ?

I’m need advice. I have 30 year fixed mortgage at 7.25%. Because interest rates are low and I want more liquidity for the rocky future I want to refinance. I have a good credit history, good payment history, solid work history, eligible for a VA loan but cannot refinance because my house will not appriase out. I have a normal middle class home in a stable neighborhood in one of the top hardest hit areas in the nation. Now my loan to value ratio is not what the bank wants and I can’t refinance I cannot even drop PMI for the same reason or get a VA loan for the same reason. I can get a HUD with 4k closing. Any advice????

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