what are my refinance options when ive already refinanced with harp?

So long as you have at least 3% equity, you can refinance using conventional or with FHA, you can refi up to 97.75% LTV or 2.25% equity.. If your upside down still, then there is nothing you can do other than bring cash to the table to lower your loan balance to meet maximum LTV requirements.. 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

You just can't use HARP again, so as William said you can't borrow more than 97% max of the current home value.

The options are still out there you can refinance your loan with any of the loan products that will fit your property and debt to income.

If you have at least 3% equity in your property you have an option, as long as you qualify based on your credit, income and assets of course. I would suggest to contact a local loan officer/lender, share your info and have them present you all of your available options. Best wishes, Sean

If you have at least 3% equity in your property you have options.