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I’m trying to figure out if we’re likely to be able to refinance without taking on PMI. Does anyone have a real sense of how appraisal values have changed in the last year or so? The city says our place is worth 595, Zillow says 750 and I’m not sure I want to gamble the 500 or so it will cost for the application fee without a better idea of what my chances are. Any thoughts? We’re right off the Myrtle Ave. JMZ and have a 5000 sq. ft. building in good repair.