my mortgage company would not do a HARP loan after my bankruptcy was dismissed because it was not closed on the pacer website.

That's probably a glitch.. if your BK is dismissed, then you should be able to get this corrected and you should be able to move forward.. Your current mortgage company or any "Big Bank" for that matter, usually will not help you with a situation like this.. they wont take the time to try and fix it for you, but if you were dealing with a mortgage broker, typically they will aid you in getting stuff like this corrected. You can contact the government yourself, or have your attorney do it, or you can contact a local mortgage broker and get your file moved to them.. and they can help.. 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

I disagree, it does not have to do with the type of lender (bank vs. broker) it is the individual mortgage loan officer. There are plenty of mortgage "brokers" who would not take the time to help you through it either.