I want to refinance my mortgage but do not qualify for any government assisted programs

You can do a rate and term refinance with most lenders up to 90% Loan to Value. There will be some form of mortgage insurance, either up front or monthly, but you can refinance and you don't need HARP to do it if you're not underwater... The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower 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. 480-287-5714 WilliamAcres.com

Yep. Contact a local Mortgage Banker/Broker, rather than one of the big banks or national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

I agree with you, if you can get out from under B of A then do it ASAP! I'm a former customer of theirs and they are not good in any way. I would go to a local mortgage broker and get some direction there. I think you might be suprised that the HARP covers much more than those who are usually thought to be in need of that program. Unless you have had a recent appraisal (in last 6 months) then the home value may not be where you think it is and thus the HARP program might be of use. My best advice is to shop around and go with who you feel most comfortable with. Hope this helps and good luck.

You do have a few options but I would need some additonal info to accurately say what they are and quote. Local Atlanta company. call me if you wish to discuss further. Briggs Cline, Buckhead Home Loans. 404-303-7411. www.buckheadhomeloans.com

It sounds like you have options. Call a mortgage broker and speak with them about your situation, stay away from the big banks on the retail side. All the best!

If you are fortunate enough to owe less than your home is worth, you can go work with any local mortgage banker/broker to assist you with your refinance needs. Good luck.

What are your current loan terms? Interest rate? Loan amount? Call BOA and ask about a streamline refinance. Minimum closing costs, no out of pocket expenses. 30yr @ 3.875%, 15yrs 3.375%. In my opinion staying with BOA for the short term future is your best bet. Possible one to two years you could consider refinancing to another lender. My $00.02

Based on what you are sharing you should have several options. Everyone on here is going to have a position on big bank vs. local bank vs. broker. Truth be told, they all have advantages and disadvantages. My suggestion would be to talk to your friends or co-workers and see if someone has a positive experience with company or loan officer that you can speak with.

What is your credit like ??? Are you looking for just a refi or with cash out?? What size is your loan?? i need to see the value of your house please email me at yourloanpartnerlife@live.com linda