Is there a new refinance program to help homeowners with private, non-government bank loans

Unfortunately, the Governments attempts to help people with programs like HARP really has picked winners and losers. Without your existing loan being Fannie Mae or Freddie Mac owned, your options are almost zero. With that said, I don't have enough information to make a 100% decisions. www.HARP-Refinance-MN.com

There's a possiblity of another option that is rarely suggested or used by mortgage professionals but it may be something to look at. If approved... you could combine the 2 current loans into ONE 30 yr fixed rate loan at the rates you hear on the radio and TV at a loan size that is less than the current value of your home.Let me know if you have any interest to look into this option.

Hi there! It all depends on what the appraisal would come back at, perhaps we could do a cash out mortgage. Give me a call when you get a chance. I'm a mortgage broker in Green Bay at Mortgage Headquarters. 920-491-0100. Ask for Andrea! I'm thinking I can help you! :)

Your loan situation is difficult, because it doesn't qualify under the "Making Home Affordable" program.We may be able to look at refinancing the first mortgage only, I have had similar clients get approved under certain programs.Feel free to call me (920) 391-4234, or go online for an application (www.landmarkmort.com)

The only think I can think of is that you might want to call your current loan servicer and ask them if they'd entertain a FHA Short Refi (assuming that qualifying for a FHA loan would be possible): http://iloanhomemortgage.com/uncategorized/fhas-short-refi-program/.

There are not many options available for you once your loan to value is over 100%, if your loan is not backed by Fannie Mae or Freddie Mac.If it is backed by the FHA, they will be rolling out their own version of the Homes Affordable Refinance Program sometime in June. Give me a call at (858) 605-0481 if you need more information.