Help with Harp RefiI meet all the criteria of the HARP program except the LTV of 125. I bought house for 170, owe 160 and am told estimated value is 125. My original loan was an 80/20 so I don't pay PMI but have interest rates of 6.875 on the 1st and 9.375 on the second Can't seem to get anyone to make this work. No missed payments and credit scorest in the 780+. What am I saying or doing wrong? Or is my ability to easily pay current rates preventing me from doing anything?Thanks youOctober 25 2011 - Dayton00YesReport 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.