Want to refi but don't qualify for HARP & don't have 80% LTV

If you would like I can discuss this with you further it seems as though you may be looking into the wrong programs. Give me a call or send me an email with your contact information.Austin S.949-229-1652austinsoutas@gmail.com

Yes. You have one option i can think of....DU REFI PLUS. 800-323-1899 ask for alex

What was the date you closed your purchase

I just calculated for you...and you are at 63% ltv with your first and 105% cltv. This may allow you to qualify for the Plus Program. Call me at the number above asap~

Gemini, you may have 3 options, a Refi Plus and a striaght refinanace on a to a loan amount to $625,000, do you have the funds to bring and close the gap of $625k to $702 and then do a jumbo refinance at around 70% loan to value, please call me at 909-230-4395 to discuss in detail so I can review, income, credit and equity.

In order to qualify for HARP you mortgage must be owned by Freddie or Fannie.. it if isn't, then it won't qualify, leaving you less options.. There's a lot of information missing, and the fact that you have dealt with several loan officers with brokers and banks, tells me there's more to this picture than the limited info you provided... If you are willing to come to the table with cash, you can buy your loan balance down to conforming limits, and it's possible to get financing for your property that way... if you're not willing to come in with cash, then contact your existing lender and see if they would do a refinance to help lower your rate.. WilliamAcres.com

There are a few answers above that are absolutely erroneous. Loan officers need to be knowledgeable enough to provide correct information to borrowers, especially high quality borrowers like you, or they shouldn't give their opinions. They only serve to "muddy the water" and cause unnecessary confusion. There may be some refinance alternatives for you depending upon certain circumstances. To determine this, a few questions need to be asked and answered, which can't be done properly in this forum. Give me a call 16/7, or email me, and I'll be happy to discuss the possible options with you. To learn more about me and our mortgage brokerage, click on my picture. When the next page pops up, click on "Website" and you will be redirected to ours. We work exclusively in CA and get loans done fast, typically in less than 30 days, at low interest rates and costs. Representing 39 quality lenders that offer more than 1,000 loan programs, we definitely have something for everybody.