Seeking FHA Lender For FHA Refinance at 5%

Where can I find and FHA refinance lender for a 5% rate. I require that I do not pay for an appraisal so don't try to tell me that I have to pay for an FHA appraisal to refinance my rate down to 5%. I am not falling for the pay for an appraisal on an FHA loan. That just tells me that you are an FHA loan officer that doesn not understand where to find FHA streamline underwriting guidelines for the 5% rate on FHA loans. You are one FHA loan officer that I will not work with becuase I demand an FHA refinance at 5% without and FHA appraisal. I suppose my search continues. Please post a comment if you know an FHA loan officer that I shoudl work with. Than you.