In 2010 my loan was modified with hamp into adjustable. Can I use the Harp refinance? rate 2.3 but goes up each year 4x's

Your loan must be backed by Fannie Mae or Freddie Mac.

Yes. There needs to be evidence of 0 lates since the modification, and only a modification of the rate and terms- no principle reduction as mentioned by Pete Bass and Pro_Finance.

If there was any principal reduction with your modification, then it will be an automatic decline.. aside from that, your loan, property, and credit/income history must meet all other HARP guidelines to qualify.. .. 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

Must be a loan securitized by Fannie or Freddie Mac- 0 lates since your modification and no principal reduction or balance forgiven on the mortgage.Depending on the lender, there may be credit score restrictions also-

Did the original loan close before June 2009? Is the loan backed by Freddie or Fannie? Have you made all the payments on time since the modification? When you did the modification was your loan amount reduced or did they forgive a certain amount of your mortgage? Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Jamie and I have been in the mortgage business since 1989. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you. Jamie Lynne - www.bartprequalifies.com - email Jamie@bartprequalifies.com - 800 315 8803