I would like to refi in Atlanta an under water. Please help...I do not qualify for. Fannie Mae, or HARP LOANS...

If you are underwater on the home, of you have an existing FHA, VA, Fannie Mae, or Freddie Mac backed loan, you are in luck and can refinance. If you have any other loan, unfortunately there are no special options. You'll need to qualify under regular guidelines. Contact a local mortgage broker in your area. Home values in most areas are no longer underwater. In MN, WI, and SD, visit me at www.MortgagesUnlimited.biz