Talk to a loan/mortgage broker. Do you have a good relationship with your bank?

We are in a similar situation. My wife works in real estate (escrow officer) and I work for the gov. (formerly spent 25 years in title insurance)

Basically, we were told we make too much money to get any of the special programs and can't refinance.

ps: We are far from being in the 1%=just two hard working, middle aged (50-60yrs) individuals.