How to qualify for a Harp loan?
I would need a little more information! What is your current rate, current credit score and depending how much equity and program, yes there is a chance to get equity out. Do you live in the duplex?

I am 71 year old. 750 Credit Score and 1st Time Home Buyer - Should I go for a shorter loan term?
Morning,If you are able to make payments on a 15 year mortgage then that would be a good idea. Please give me a call and I can give you the difference in payments on a 30 year and a 15 year. 920-810-9824TariPeoples Home Equity

Any duration required after paying off a land contract prior to applying for a traditional loan?
You should be able to do a refinance anytime. It would be considered cash out refinance. Contact you local lender in WI.