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I'm in a similar situation as Jeff. Greentree is my servicer. I qualified for the HARP 2.0 program, but no lender Greentree works with will accept my loan refi because we are have a 135% LTV. We don't have PMI and have not missed a mortgage payment since I bought my home in 2006. FYI...credit score is excellent. I think the HARP showed alot of promise, but will ultimately fail because lenders are not required to comply with the program. In the end, the government will say they did something, and the banks will say that they did something. However, homeowners will either have to suck it up and keep their underwater home or walk away from a sinking ship. :-(
You need to find a broker that has access to expanded approvals with MI transfers. I deal with the MI companies myself to expedite the process. Good Luck.
I only Lend in Florida!
Based on the information you have provided my experience tells me you are probably getting a level 3 approval. I would start by shopping with a broker who can handle a level 3 approval with a MI transfer.
I only lend in Florida!
Wecan goto 250% LTV on HARP 2.0 refinances. Call 865-429-2797...
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