My current mortgage is owned by my credit unioin not freddie or fannie. I am underwater, PrincipalMy current mortgage is owned by my credit union, bot fannie or freddie. Is there anyway that I can use the HARP program. I have excellent credit, but am underwater by $30,000. My current interest rate is 5.75%. Any help on a refinance or HARP Guru would be greatly appreciated.May 15 2012 - Gaithersburg00YesReport 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.