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How to refinance an underwater mortgage
Check your payment history.
You must be current on your mortgage, and not have been delinquent on any payments in the last 12 months.
Find out who owns your mortgage.
You will not be eligible for harp if your loan is serviced by the federal housing authority (fha), the veteran's administration (va) or the department of agriculture (usda). Make sure your mortgage is owned by federal home loan mortgage corporation, also known as freddie mac, or federal national mortgage corporation, called fannie mae.