Streamline FHA Refi advice

[Alex Cordero]

My house is currently worth ~155k. I owe about 156k on it. I do currently pay mortgage insurance ($70/month). Current payment is $1060/month (4.5% on the loan). A streamline refi would allow me to drop my payment to about $900 month, but would still pay mortgage insurance (Included in the $900/month). They want me to bring $2300 to close, but wouldn't make a payment for two months. I see a lot of "no money to close, no money down" FHA streamline offers. Does the $2300 seem reasonable, Could another loan officer possibly put together the same refi for less or for no money down? Any information would be greatly appreciated.