Refinance options for underwater loans after June 2009I'd like to lower the monthly payments on my home mortgage. I'm currently about 110% underwater.Home Value - 270ishOwe: 291Total Loan amount: 310The loan went to Freddie on July of 2009, so i don't think i can get HARP 2.0 (has anyone had success getting an HARP loan after june 2009?. Do i have any options to take advantage of current rates being at +100% LTV?September 06 2012 - Seattle00YesReport 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.