Can I refinance through HARP if I already refi'd the mortgage?

June 2009 is the cutoff date.

Not if you have refinanced AFTER June 2009

Under HARP, it's one and done! If your under water now, you were under water in 2010 when you refinanced, and even if the lender didn't tell you that you were doing a HARP loan, you probably were.. Under HARP guidelines, you can only use the HARP exceptions one time per property.. Property values are coming back, so it's just a matter of time, so hang in there.. 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

correct you can not refi thru harp ... the cut off for purchases or refis was june 2009 ,, email me a t yourloanpartnerforlife@live.com i have a referral for you... linda

That's right, you can only take advantage of the HARP flexibility one time for a loan before 6/1/2009. If you are still underwater I don't know of any other option for you besides waiting it out until values come up and/or you pay down the balance of the mortgage below what you owe. Good luck!

You can only take advantage of the HARP if you purchased or refinanced the loan prior to June 2009. If it was before June 2009 and you meet other qualifying factors, you can refinance with the HARP.