Unable to refinance using HARP.My home is underwater and currently i am having 7/1 ARM took it in 2007. My lender is Digital Federal Credit Union. I asked them about HARP and they are saying they are not participating. I am current on my mortgage payments. My interest rate is 6%. Already paid 20% on my principle. Not sure at this stage what to do. Just walk away or wait for some more time. Current loan amt is 250K and Home Value is <200K.June 27 2011 - US00YesReport 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.