Is there any lenders for refinancing underwater homes which are not backed by govt.I am in FLORIDA. My loan is with Bank it self (Not with Fannie or Freddie). Looking for refinancing and not eligible under HARP. Is there any banks or lenders who are accepting refinancing for under water home which are not backed by Fannie or Freddie.May 10 2012 - US0YesReport 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.