could i still get a HARP loan with charge-offs and collection accounts on my credit report? but i never missed a mortgage payment.

Not likely, HARP loans are not a product for those with bad credit, they are for those who are underwater on their loan yet still meet all of the regular and standard means of qualification...good credit, acceptable DTI, good income etc. If your FICO score is not within acceptable range then you will not qualify. Talk with a local mortgage broker to see.

Would have to look into this a little bit more because it will come down to the whole income and credit profile.Give me a call to discuss furtherGregg RepaskySentrix Financial Services216-215-4400

It really depends on the total picture, credit score, credit profile, debt ratio's, type of income, reserves, loan to value. Would be happy to look at your options with you or refer you to one of our loan officers in your area. pdumouchel@primelending.com 843.619.6025

The file would have to be ran to see what the findings are. We can help you. 201-962-3555 Team@BestMortgageOption.com

Have a broker working in your area run your file thru DU