HARP (or another program) - Do I qualify?I attempted to go through my current mortgage holder (Fulton Mortgage). After a couple of weeks of getting them the information they requested (see below), they now won't even give the courtesy of a return email/phone call.1) Current Mort Balance = $110,000.00 a. A HELOC was taken out at settlement to get me below the 80%LTV. 9% apr / $6,000.00 balance. (Fulton Mortgage) b. There is a second mortgage through Pennsylvania Housing Finance Agency that will be subordinated in the approx. amount of $ 18,500.00 (4.2% apr)2) Single Family Home3) It is my Primary Residence4) Current Mort Rate = 5.125% 30 year fixed5) Home Value = $160,000.00 to $175,000.006) My Goal = Lower Mort rate, payoff some credit card debt, legal bills and consolidate bills. I'd also like to get as much equity in the property as soon as possible and make some more major renovations. a. Total debt = $30,000.00 approx max7) Credit Score = 770, 750, 765 with Equifax, Experian, Transunion8) I am looking for a 30 year fixed Mort9) This is the last home I intend to purchase.10)October 24 2012 - East Hempfield Township00YesReport 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.