Please help me with a question on the HARP ProgramIs it true that if your current mortgage doesn' t include PMI ( we paid upfront when we last did a re-fi) you cannot take part in this program? I had one person at Wells Fargo tell me that they did not have the program up and running yet at about 9:00am then was told @ 11:00 am that it is in place but I would not qualify because I do not currently pay PMI. LTV is @ 90% credit scores in the low 700's no cash out just would like a better rate than my current fixed 6.25%.FYI we are not in NY. Didn't see that below. We are in Waukesha County in Wisconsin.Thanks!May 06 2009 - Belleville00YesReport 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.