Hi can you refinance if you only have 2 years and half as a new owner with vhda, am I qualify for harp?

More info needed, and realistically, you should be contacting someone in Virginia who is familiar with VHDA... Typically, these types of programs have "Silent 2nd's".. which will subordinate if you decide to refinance your existing balance.. but if you are trying to pull cash out.. you probably wont be able to do it.. So it's best to contact someone local who is familiar with the program.. also, if you purchased 2 & 1/2 years ago.. you wont qualify for HARP.. Guidelines say that your mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009... I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Yes, and no... Technically you can refinance any loan at anytime if it makes sense to do so. When using special loans, especially down payment assistance programs that gave a down payment assistance loan, most of those programs require the assistance loan be paid off if you refinance the main loan. I'd suggest contacting a mortgage broker in your area for more assistance. As for HARP, it would not appear to apply to your situation. I lend in MN, WI, and SD. Contact me at www.MortgagesUnlimited.biz