Why won't any of the HARP programs help those with a conventional mortgage?I put 20% down in 2007 and got a loan with Wells Fargo. My credit score is 850 on the 850 scale. My APR is at 6.5%, and nobody will refinance me because Fanny or Freddie don't hold the mortgage. I'm underrwater, and I retired last year. I can't afford to keep paying at 6.5%. I feel like I'm being discriminated against. Nobody ever asked me who I wanted to hold the note. All my friends have refinanced several times, and I can't even do it once! Any ideas???October 07 2013 - San Jose00YesReport 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.