Step #1 is to find out if your property is owned by Fannie Mae Or Freddie Mac. If so, you may be able to refinance to 105% of the value. In some limited cases, you may be eligible up to 125%. I would post a link but it's not allowed, so just Google "fannie mae loan lookup" and "freddie mac loan lookup" it should come up #1 on the list. Step #2, would be to contact a mortgage broker in your state that can place your loan with the appropriate lender to get this done for you.