Are they any "real" help for refinancing a underwater line home other than HARP.... My property is depreciated more than 125% of what I owe on the mortgage and I have not been able to find a program that will "adjust" or refinance the total amount I owe. April 20 2012 - Little Havana0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.