I have a 80/20 mortgage.Can i qualify for HARP or resonable refinance under 1 loan?I have excellent credit and looking to take advantage of new low rates. I underwater by20K. Need some advice. I have excellent credit. I can I refinance up to the value amount? 165K/36KDecember 23 2011 - Southeast Raleigh00YesReport 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.