"I have a few different options for mortgage customers who have paid their mortgage on time but are upside down on the value."

If you are a Fannie Mae/Freddie mac customer who put 20% down when you purchased your home, YOU CAN STILL REFINANCE!

H.A.R.P Refinance

If you an FHA customer you can do a Streamline FHA Refinance without an appraisal

Both of these options require that your mortgage is paid on time. If you are well behind on your mortgage then most likely you should be considering a mortgage modification.