Thanks for your reply. Her original loan does not have pmi. We were not sure on how the harp program actually works, when we seen how much closing costs or fees that went with this loan we questioned why would she go along with it if it just raises the amount she owes all ready under water. to Justin, her taxes are a couple thousand a year, it was all the fees they wanted to tac on like a conventional loan does. that is why we are questioning the fees.
for help because she is finishing masters and will have greater debt to income ratio. one other place said yes with closing cost of 10,000 and pmi(.that is not harp)!. house underwater. any suggestions?