If I used the HARP program in 2010 (July) is there a program that refinances 100% of the valiue ofI have a 273K remaining on the load, the house shoould appraise at that value, the problem is that I have a loan at 5% APR at 30yrs, I would like to refinance to a lower interest rate. my income and Credit are not a problem its just the value of the house. HARP i already used so dont think that it cant be used twice. is there any program out ther?March 05 2013 - La Puente00YesReport 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.