I want to refinance my mortgage but do not qualify for any government assisted programsWhat does a person do to refinance a B of A loan? I do not qualify for HARP etc. I have made all of my payments on time. I don't think I have 80% loan to value, but I am not underwater either. What are my options? I would prefer not to work with B of A Any advice would be appreciatedJune 28 2012 - Upland00YesReport 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.