a recent new job overseas and foreign income not yet reported on tax return, any chance to get a refinance under harp 2.0?

HARP 2.0 is a full up qualifying with documentation refinance program... so your income has to be documented.. That being said, if you have your 2011 tax returns and current pay stubs, it shouldn't be a problem.. I think what your running into is a lender "Overlay".. Rather than a FNMA guideline... I'm going to guess and say you're probably dealing with your current loan servicer... so the best advice I can give you is to contact a LOCAL (to your property) mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Too be honest with you I think I can receive an approval on your loan situation. The main thing would be your letter of explanation detailing the source of income. If you have a letter or some statement showing your projected income that should be sufficient.

hi: I have an investor that has no overlays but would need to ask you some questions on the current loan amt, estimated value etc..type of property etc..We do lend nationwide....Feel free to contact me for assistance. Mike (703 505 5300) NMLS 754874