REfinancing via HARP questionsQuestion (s).We have a first mortgage at PNC. Its Fannae Mae backed and we havent missed a payment in the 3 years we've been there.We went to see a PNC guy about Refi via HARP and it all seemed fine until he changed the data on us and sneaked in points to get us the rate he promised. He initially said no points. He also said and that new HARP guidelines mean we cant shop our HARP loan about and we have to stay with current lender (PNC). Is this true? Our house which was 395,000 is Zillow listed at 327,000 so a significant value drop.The loan was at 5.625 and he's offered us 4.25% w/ .75 discount or I think 4.5 with a credit back of .375I see several better rates on Bankrate.com but hard to know what to trust. Are qualifications for HARP refinances the same regardless of lender? Thanks,SimonOctober 04 2011 - Wheaton-Glenmont00YesReport 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.