How to refinance when you do not live in your home?We are a military family and as such were forced to move from a home and unable to sell due to property values falling while we lived there. It is our only home and we intend to return. The home is underwater with a LTV of 111%. The rent we get from our tenants is about $400 under our morgage and the overage is starting to be difficult on our budget. We have never been late on a payment and even have a history of paying extra. I think we have extremely good credit right around 800 based on a credit check my husband had recently, but I need to check to be sure. I have found Navy Federal our lender highly resistant to allowing us to refinance since we do not live in the home. I read the harp2 rules and it seems we should qualify, but how do we find a lender to help us?? I got no quotes at all when I listed it as an investment property.July 31 2012 - Lexington 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.