Looking for a decent HARP 2.0 rate for my investment property - Central FloridaI have a property located in zip code 32738 - 3/2, built in 2005, upside-down on the value. Primary mortgage value around $113k, secondary mortgage value around $18k. Both through GMAC. The loan is backed by Freddie Mac. Zillow shows about property value to be around $85k.I recently converted the property to a rental (investment property), as such I know the refinance rate will be higher due to increased risk premiums. I've read up extensively about HARP 2.0, so I understand the requirements, etc. The house qualifies for HARP based on the requirements.Can anyone help with a FAIR rate? I contacted GMAC, and the best they could do was 4.75% (the current rate is 6.25%). I have excellent credit, never missed a payment, etc, etc.July 06 2012 - US00YesReport 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.