Can I refinance my home after the 3 yrs of Hamp program?

Yes, but it depends on how your loan was modified.. If they lowered your interest rate or extended the term, then you shouldn't have a problem, but If there was any principal reduction, most lenders will not allow you to refinance. When you try to refinance, you will need to produce your loan modification papers to the new lender so they can verify that no principal reduction was 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