any programs for underwater conventional mortgages not owned by freddie mac or fannie mae?

HARP 3.0 is on the horizon... it's been talked about, but none of the details are out just yet, and nothing has been presented to congress, so stay tuned.. Help is on the way.. The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

no , not at this time, they are trying to come up with a harp 3 , but.... it took long enough for the harp 2 to come out!!!!!. i do have a referral for you email me at yourloanpartnerforlife@live.com

Sorry, not at this time. All the best.

Have you thought of an FHA 203k and possibly making additions or changes to the house to potentially raise its value?