Can I request a HARP refinance if my original loan was a portfolio loan??

Unfortunately, HARP refi's are only available to loans that were bought by Fannie Mae or Freddie Mac.. if you have a portfolio loan, it wont qualify for HARP.. But this program is due to end at the end of 2016.. since values have gone up so much, there's little need for them right now.. If you have 3% to 5%, it's possible you can refinance now and HARP wont be necessary.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

NO sorry

William and Ralph are correct.