HARP ProgramWe are going through a refinance and it seems that the loan officer was trying to force us into the HARP program when we didn't need or want it. It seems like there must be something in this for the bank. Can anyone explain what the incentive is (for the banks)? My husband and I make very good livings, have no debt (other than our mortgage), we live in a very desirable area in the DC area and our house/condo is worth more than than what it was two years ago (according to the appraisal). However, the bank then lowered our appraisal and tried to push us into the HARP program. Please advise.June 15 2010 - Ballston-Virginia Square00YesReport 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.