Very well qualified condo owner in FL needing to refi primary res., no other RE owned. LTV 118 percent. Loan held by Freddie and serviced by Cenlar (was TBW), so have no "home" bank. Our loan is 30 yr. fixed, 20 percent down, no PMI and no late payments or other issues. Purchased in 2007. Very healthy condo community and HOA. Please contact me if you have a track record of successful refi closings for FL condos under Freddie Mac's HARP program.