Does a BK7 mortgage have to be RE-AFFIRMED to get a Harp 2.0 refi?

Yes and you better have good credit and no late payments or else it will get declined.

Yes your mortgage has to reaffirmed to get a Harp refinace

HARP eligibility rules can be found here - http://www.seattleharprefinance.comIt's going to be tough as guidelines state no late payments within 6 months. Best bet, if it's even possible, will be to get payments current for the next 6 months and then apply with your existing lender. They'll have more flexibility in an issue like this than another lender.