If you are referring to the Small Business Administration (SBA), then they would not be able to help with a HARP Loan as SBA only provides a guaranty to a lender and do not have anything to do with residential loans. If you do have a loan that is Harp Eligible, you can work with most lenders to refinance your loan. Your 2nd Loan (disaster loan) should be a 2nd Lien and can be Resubordinated to allow your 1st Mortgage to be refinanced.
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