My mortgage is held by a local credit union - so, I don't qualify for HARP 2.0 because its not owned by Fannie or Freddie. Can I

Hi lisa,My bank does offer programs to help you get a loan similar to HARP 2.0 if you do not have a fannie or freddie loan. I lend in all of Ohio, so if you would like more details feel free to call/email me!

Depending on your circumstances, your credit union may be willing to help you improve your situation since they are already on the hook. Start with them. If they cannot help you, contact a local Mortgage Banker /Broker. DON'T use one of the big banks and DON'T use one of the big national Mortgage factories. There are numerous programs out there and a good Mortgage Banker/Broker will help you determine the best solution for your situation. Make sure you 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

Hey Lisa.. there's too much information missing.. you don't have to use HARP for a refinance... there are other refinance programs that you can refinance with.. it reallly depends on your Loan to value.. with out knowing what your LTV is , we really cant give you proper advice... WilliamAcres.com