Refinance through HARP with HELOCStruggling with trying to refinance my house to lock in the historical low rates. My original loan amount is 279,000 and I'm down to 240,000, the house will appraise at 300,000, my primary mortgage is a fannie mae serviced by etrade. I have a HELOC with Chase, the credit line is 161,000, but I owe 135,000 on it. I wanted to roll both into a single 15 yr fixed mortgage. I currently have a 7yr fixed loan, but I would like to lock in the low rates. I called Chase, they wan't do a refi for me because my primary mortgage is not through them. Everyone I have talked to says because I have the HELOC, HARP isn't available. I'm underwater for sure, what are my options: Is subordination a option, if so which lender will work with that will Chase cooperate?Should I go ahead and turn my heloc into a 2nd start paying the principle, if I do that will that make it harder or easier for subordination for refinancing both loans into one?Any other suggestions? June 21 2012 - Temecula00YesReport 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.