Can I get cash-out with a new home loan?
Typically this is not possible, especially with a 30 year mortgage. With private money it's a different story.

Jumbo loan was not purchased by Fannie or Freddie. Can we refinance now with conventional rates?
$696,000 - $140,000 = $556,000 and you say the home is worh $495,000 at most? Unforunatly it appears you owe more than the house is worth, currently, or a 112.33% loan to value, at a best case senario and therefor there is no non Fannie or freddie products that are available at that loan to value.The short...

Am I able to do a HARP 2 refinance with my status?
Hi JoeBecause you less than 80% of the current value of your home you would not qualify for the HARP 2.0, but you may qualify for other loan programs.I hope this was helpfull. Have great day.