We refinanced in 2009' but our loan wasn't sold to Fannie Mae until Nov. that year. any hope???

If your underwater, then your only option is to buy down your mortgage so your no longer underwater and refinance then.. or you could wait it out, since most area's are experiencing rapid appreciation... but if your mortgage was sold to FNMA after May 2009, then you cannot use HARP for refinancing.. .. 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. 480-287-5714 WilliamAcres.com

I assume you are under water?

What is you loan amount? jmazzola@sunnb.com

depends: What kind of loan? Do you have any equity in the home based on what a new appraisal would probably show?

Sure there is. If you are not underwater you can always refinance. If it is an FHA loan you could streamline even if you are underwater.

If your question is that you need HARP to qualify due to valuation the HARP program will require that the loan be puchased by Fannie prior to June 1 2009. Depending on what your LTV is and the fact that your rate is still at 2009 levels, you can still refinance down to current rates and pay any applicable PMI and still save money on a monthly basis relative to what you are paying now.

You can't use Harp, so if you are under water then unfortunately no.

Sorry, no hope for a HARP refinance. Loan had to be aquired by Fannie or Freddie before June 1, 2009. www.HARP-Refinance-MN.com

Hi Alan, I am a loan officer here in Irvine, CA and may be able to assist you in meeting the goals you want for your house when you have a chance please call me at your convience directly @ 201-673-7205Thank You!!

Sorry, you may have to live with your present loan.

standard refinance is your option.. 954 558 4430 Craig www.firstfloridafin.com