Zillow Advice: Refinance - HARP 2.0 refinance http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ Zillow Advice | Zillow Real Estate DU refi plus (new servicer) ... http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ DU refi plus (new servicer) will not allow prior short sale unless it meets the typical Fannie Mae seasoning which would be four years at 80-90% LTV. You might be able to fit in with two year from short sale if you are able to obtain an appraisal waiver at 80% LTV and the short sales are coded properly by the credit bureaus as they often are erroneously coded as foreclosure. Happy to take a look at this with you if you would like to get in touch. Sun, 14 Apr 2013 16:59:00 GMT http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ 2013-04-14T16:59:00Z Yes, your scenario sounds ... http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ Yes, your scenario sounds doable but it will pretty much all come down to the current servicer of your PMI (private mortgage insurance). &nbsp;It's safe to say that this aspect is something we all wish we could change in the next version of the <a rel="nofollow" href="http://hotratequote.com/best-harp-2-0-rates/">HARP 2.0</a> program.<br/><br/>Best of luck!<br/>Joe<br/> Sun, 14 Apr 2013 16:03:00 GMT http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ 2013-04-14T16:03:00Z Hi,You sound eligible, it ... http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ Hi,<br/><br/>You sound eligible, it is just a little for difficult due to the MI you have on your current mortgage.<br/><br/>Good luck! Wed, 10 Apr 2013 18:43:00 GMT http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ 2013-04-10T18:43:00Z It sounds like you should ... http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ It sounds like you should be able to qualify for a DU Refi Plus (Fannie Mae's HARP product) loan. <br/><br/>A couple of quick questions, just to clarify... Is your current mortgage the original mortgage you&nbsp;acquired&nbsp;back in 05/2008? Also, is there MI on the mortgage currently and if so do you know what company it is with?<br/><br/>Sincerely,<br/>Greg Wed, 10 Apr 2013 17:22:00 GMT http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ 2013-04-10T17:22:00Z its possible to refinance ... http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ its possible to refinance but like you found out because of the PMI, not all banks allow for HARP refinancing with PMI transferring. who is your cureent PMI servicer? Wed, 10 Apr 2013 17:09:00 GMT http://www.zillow.com/advice-thread/HARP-2-0-refinance/487251/ 2013-04-10T17:09:00Z