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refinance a jumbo loan not owned by Freddie/Fannie

Loan amount 1st loan 378,000
Second loan 94,000

Home Value: 310,000

Credit Score: 800.

Always have been paying loan but cannot use any of the HARP programs as loans are not owned by Freddie/Fannie. What can I do in this situation to refinance. Both loans are owned by the same bank.
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August 16 2012 - US
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Answers (1)

probbly only  2 options are :
1) contact the bank that holds both loans for any options
2) pay loan down to a 95% loan to value level and  refinance using " regular loan"
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August 16 2012
 
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