What's the deal with HARP refinancing?I have a countrywide/Bank of America home loan. 30 year fixed, 6.25% interest rate. Never missed or been late on a payment. The term used to describe my situation is "under water". We owe more than the home is now worth (mostly due to condos in our unit forclosing, screwing with the value of our home. What do I need to know that is crucial to even attempting to do refinancing under HARP? Any advice would be great.August 20 2009 - El Cerrito00YesReport 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.