Forgot I never came and updated this... I never got to refi because I had a SNAFU with a credit card that made me miss the credit requirements by like 5 points. I had an automatic payment fail and they never notified me other than "statement is available" spam that they send anyways that I never followed up on ever - my fault. Finally got a call from them when it past 60 days and they had already reported it. Recently had a medical debt hit collections while we were trying to hash it out with the hospital too, so yay for that. Just seems silly and counterproductive... no late mortgage payment in 3 years and I can"t get itloweredbecause of a credit requirement. On the bright side, maybe by the time we get around to doing this there will be some help on the MIP front.