Not to be a weiner, but why do you think it's your bank's fault? Why do you think they owe you a refi?
I mean, you signed a contract to borrow $xxx,xxx, for x number of years, at x.xx% interest. That hasn't changed. If market rates had gone up instead, would the bank be entitled to "refinance" your terms to match?
It does suck out loud that you're stuck underwater. Lotta people are.
I just don't see how it's the bank's fault...
Robert
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