So My wife and I purchased our current house 3 1/2 years ago and the original loan barrier was Mountain West Bank. After ~3 months the loan was bought by USBank. The question I have due to the Freddie Mac refi loan limitations (you must refi with originator), does this mean I can refi with Mountain West? We currently owe about 106% LTV (owe 170k and the house appraisal is ~160k), we don't want to dump 10k into the house just to refinance it instead we want to use the 105% loan option that was opened a year or so back...

Our current loan rate is 30yr 6.375% and I'm hoping we can refinance to or below 4.375%... Any help or suggestions please let me know.