Zillow Advice: Mortgage Types - What other options are there when you don't fit into the "HARP or HAMP" programs? http://www.zillow.com/advice-thread/What-other-options-are-there-when-you-don%27t-fit-into-the-HARP-or-HAMP-programs/421562/ Zillow Advice | Zillow Real Estate Yes, it is unheard of for ... http://www.zillow.com/advice-thread/What-other-options-are-there-when-you-don%27t-fit-into-the-HARP-or-HAMP-programs/421562/ Yes, it is unheard of for a bank to offer a <a href="http://www.zillow.com/mortgage-rates/">loan</a> amount in excess of the value of the <a href="http://www.zillow.com/mortgage-glossary/Collateral/">collateral</a> securing it.&nbsp;&nbsp;&nbsp; <br/><br/>The HARP loans&nbsp;are made because the owner of the new loan already owns the upside down loan, so they are reducing their risk exposure when allowing those refinances.<br/><br/>How much is your recent appraised value, and what amount do you owe on your primary and HELOC?&nbsp;&nbsp;&nbsp; Are you able to bring cash into close to help bridge the gap? Thu, 03 Nov 2011 19:04:00 GMT http://www.zillow.com/advice-thread/What-other-options-are-there-when-you-don%27t-fit-into-the-HARP-or-HAMP-programs/421562/ 2011-11-03T19:04:00Z