The HARP program allows homeowners to refinance up to a 105% LTV!  There are a number of pre-requisits to this program including the fact that your current loan must be held by either Fannie Mae or Freddie Mac.  Here are the websites to find out if your loan is held by either:

Fannie Mae:  http://loanlookup.fanniemae.com/loanlookup/
Freddi Mac:  https://ww3.freddiemac.com/corporate/

 If you have further questions contact your loan officer or Tahoe Lending at 530-587-0432.  This could be very well worth your time with qualifying rates below 5%. 

Jamie Schou
530-798-1393
jschou@kw.com