Where can I get a personal mortgage advice?

I am a townhouse, and my current loan to value ratio is 92%, because home values ​​fell, and when I bought it I put down only 10%. I am currently paid $ 300 PMI which I think is a waste and you want to consolidate and reduce or get rid of PMI. I have a little more money to pay towards the main evening but not enough to bring the current loan value ratio below 78%, at which point the bank will lose my PMI. I need someone to talk to, who can give me some tips, 2 loan or refinance. What types of people can give good advice? I am ready to pat its own reward, financial advisors are consultants or mortgage?

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