Can I pursue a refi if I used HARP last year

You cannot get another HARP loan, but you can refinance again under another loan program, assuming you meet qualification requirements.

You can refinance but not with HARP.

You may apply for a traditional refinance at any time.

So long as you have sufficient equity, yes.. however with HARP refinancing, it's "one and done".. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Yes, you just won't be able to do another HARP loan. If you just refinanced last year what is your goal in trying to refinance again. I can help you look at the numbers and help you decide if refinancing makes sense.