Harp refi with chargeoff on credit report ?
How much is the charge off and what was the date of the charge off? This will help.

how much do i have to put down to get no pmi on a homestyle renovation?
Al conventional loans require 20% down payment to avoid PMI, but you can also obtain Lender Paid MI by choosing a higher rate of interest. It is a lower payment. Let me know if I can assist Joe Shagena jshagena@destinygrp.net