Can you join your first and second loan into a harp loan?

NO... The HARP program does NOT allow that. You can only refinance the first loan, and the second would have to stand as it is. Home values have come roaring back in many areas. Talk to a local mortgage broker, you may be surprised, and you may be able to do a different loan that does allow them to be combined.

No, that is not allowed. The only way to combine the two is to have enough equity in the house to meet normal requirements -which depend on whether both loans were closed originally at the same time. Otherwise it will likely be classified as a "cash out" loan and limited ti 85% of the current value to pay off both - which would not be a HARP loan..

No can do, unfortunately otherwise I would of put people in much better positions

No you can not the second must always be subordinated.

No, Harp will only allow you to pay off the 1st mortgage. You will have to get the 2nd mortgage to subordinate (to remain in 2nd position).

No, unfortunately you cannot combine and first and second loan with HARP. The only way to combine the two is with a traditional refinance program.

Under the HARP guidelines, you cannot join a first lien mortgage with a 2nd lien mortgage.. The reason HARP exists is to allow home owners who don't have sufficient equity to meet the lenders maximum Loan to Value requirements refinance with out the necessity for an appraisal.. These loans are written using conforming guidelines for either Fannie Mae or Freddie Mac, so the loan will satisfy the end investors who eventually purchase securities backed by these mortgages.. And if they allowed 2nd liens to be added to the first under this program, it would make the loan to value even greater than planned, and those loans become a greater risk, which become harder to sell.. 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

HI Peter,I am a loan agent local to you.... give me a call I we can come up with several options.... however, everyone is correct - you cannot combine HARP into 1 loan.Linda 510-332-3282