Can a lender or lender's servicer take out credit enhancement insurance if the loan documents do notsay that they can and the borrower was not required to buy mortgage insurance at the time the loan was acquired? Somebody did this to me and now I cannot refinance my mortgage because I am underwater on the house and a new lender cannot get equal value mortgage insurance. It also makes me inelligable for HARP. HELP!June 29 2012 - Vancouver00YesReport 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.