is there an alternative to harp?

Do you happen to have an FHA or VA loan? If so, you can complete a streamline refinance.

FHA, VA and USDA all have refinance options where no appraisal is necessary.. if it's not one of those and it's also not HARP eligible, then you will have to wait till you have sufficient equity to refinance or pay down your principal to an acceptable level.. HARP 3.0 is supposed to help all those who have not been able to take advantage of any of the other refinance products, but as of today, it's not passed into law.. stay tuned!!. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

If you have an FHA Loan, a VA Loan, or a USDA loan - those programs all all streamline refinance options that do not require an appraisal... www.streamline-refinance-mn.com

Jerome,Please email your statement to timothy.howard@supremelending.com.From this I will give you the best options.