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I have done many updates to my home and I feel it may be worth more than what I'm seeing on websites. I have never actually had a real in home appraisal. I would like to refinance but I may have to use the HARP program because without an in home appraisal my house is showing that I'm "upside down". Even if I get my home appraised and it is worth say what I owe on it, would I then be eligible for a standard refiance loan or would still qualify for harp?
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Take advantage of the HARP program if you qualify for it. Why pay for an appraisal if you don't have to.
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