bankruptcy (chpt 13) expires in a month-can I qualify for the harp program to reduce 1st & 2nd mortgage?

I assume you mean your chapter 13 bankruptcy will be discharged? Or what are you specifically referring to regarding the BK, as expiring?I highly recommend you consult with a mortgage broker/banker in your State as they can review your specific circumstances. One of the qualifications for using the HARP program is that your loan began prior to a particular date.