Things have changed, with Harp 2.0. Harp was the government program to allow underwater homeowners with good credit and no late payments refinance. It ended u

Things have changed, with Harp 2.0. Harp was the government program to allow underwater homeowners with good credit and no late payments refinance. It ended up being a flop because Bank's dragged their feet. Enter Harp 2.0, which started Fall of last year, but had a good number of bank's participating since April of this year. Go google Harp 2.0, and then go ask your bank about it. And then go talk to other banks.