J.W.
You won't be able to find a better rate because no other bank will touch you.
If you don't mind indulging me a rant this is what pisses me off about these programs. You can get 4% because you are underwater, I can't because I have more than 100,000 in equity. I can't do the making homes affordable modification because I have never been late on my mortgage in the 22 years I have owned this home. I can't get a good rate because my ex trashed my credit even though at this point the only debt we have is my mortgage. Where are the programs for people like me!!!!!
Rant over. :)