What other options are there when you don't fit into the "HARP or HAMP" programs?We've gone to 3 banks/inst. and have wasted $1000.00 in appraisals only to be turned down because our home is less than what we owe. Our point is if we can pay at the higher interest rate, why do they think we would default on a lesser rate? Seems the people that are paying their mortgage get screwed leaving the only option left to stop paying and go into foreclosure. Which we don't see ourselves doing because we take our responsibility of our debt seriously and don't expect someone else to bail us out. We only want to consolidate our mtg and HELOC and get a lower rate. Is that unheard of? November 02 2011 - Lakeland00YesReport 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.