FHA Mortgage Information

[superxcrewfx4]

I know that I am probably going to get any help at all about this but I am super frusturated and angry.

I have had a 30 year fixed FHA Mortgage at 6.5 percent interest. Pretty good deal in 2008.

My mortgage now is 176k , started at 180k and bought at 192900k. I need and have to refinance at 199k to pay off a few things due to my hours being cut at work. I never ever wanted to do this but it has come down to the wire.

I bought the place with the fha mortgage and my freaking homeowners association manager let the fha certification lapse in 2009 and it appears she doesnt care.

What do I do to recitfy this situation. I need to refinance and that is the only thing holding this up