To be eligible for a HARP refinance the current loan would need to have been acquired by Fannie Mae or Freddie Mac prior to June 1, 2009. How long ago was your last refinance?
Not enough information.
More information is needed.
Texas Cashout Home Loan- If you used the equity from your home to pay down debt (credit card, car loan, student loan, pay day loan, etc.) or you received a check upon refinancing to do with the money what ever you wanted essentially. This was a Texas Cash-out Home Loan and now anytime you use your home for lending purposes, the title company will show a document that says your house falls under this guideline. The terminology we use in the industry, "once a cash-out always a cash-out". You'll never be able to borrow against your property more than 80% of it's appraised value...this is a Texas Law.
The rules in Texas are that once you do a cash out refi, any subsequnt refis must be PRICED and UNDERWRITTEN as a cash out. Since HARP does not allow for cash out, you wont qualify
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