I need to Refinance.Here is my dilemma. I have a home that i tried to get a HELOC but ended up as a no go. The mortgage company (holds my current mortgage) paid for the appraisal. The value came back at 75k. I owe 95K (this includes first and second mortgage). Should i try to refinance with a bank or should i just do a HARP? I want to refinance to get a lower rate to reduce my payments. November 16 2010 - Cleveland00YesReport 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.