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WebYou can owe $200,000 on a home currently valued at $175,000 and still lower your rate with a refinance. That leaves potentially thousands of homeowners who might have applied for the 2009 HARP but didn’t get the chance before the federal government program expired. Check your refinance eligibility. Start here (Apr 6th, 2024) WebWe offer over 1000 products for a wide variety of loan options (30 Yr Fixed, 15 Yr Fixed, FHA, FHA 203k, VA, Jumbo, 10/1 ARM, 7/1 ARM, 5/1 … WebJun 21, 2024 · Option 2: Refinance your mortgage. OK, let’s be super clear on this part: You can’t actually refinance your home when you owe more than it’s worth. Most lenders won’t allow traditional refinancing until you have at least 20% equity in your home. However, if you’re underwater on your home, you may qualify for the HARP program. … joc koe stoe marty and freddy g