Denied modification by Harris bank. Do not qualify for refinance because of creditWe were denied by Harris after months of attempting to modify. We are now greatly behind on mortgage our credit is affected and can not refinance due to credit. We were told we were denied because of our gross income not being in the 31%. We are literally in negative weekly. Any suggestions?December 11 2012 - Orland Park00YesReport 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.