Zillow Advice: Refinance - Why I am not eligible for HARP program http://www.zillow.com/advice-thread/Why-I-am-not-eligible-for-HARP-program/499024/ Zillow Advice | Zillow Real Estate If your loan was not owned ... http://www.zillow.com/advice-thread/Why-I-am-not-eligible-for-HARP-program/499024/ If your loan was not owned by Fannie/Freddie before 06/2009 then you won't be HARP eligible. I suggest looking to your current mortgage holder for a modification of the loan. Housing prices are trending upward, so hopefully you won't be under for long :) Wed, 26 Jun 2013 15:38:00 GMT http://www.zillow.com/advice-thread/Why-I-am-not-eligible-for-HARP-program/499024/ 2013-06-26T15:38:00Z