ok, i am not behind in my mortgage,my house is really under water, my property value is dropping even more next year I am told,

on your offer from citimortgage, you state that it is a temp basis,,, are you current with them on the new plan?? i know of a source that can work with you,, if you do it your self , as you might have done,, its not always the best for you... email me at yourloanpartnerforlife@live.com with all of the good , the bad and the ugly... everything about what you are trying to accomplish... linda

So Citi said you don't qualify for the HARP refinance because your loan is not owned by Freddie or Fannie, correct? Did you have a Loan Modification done? Have you check for yourself that your loan is not owned by Freddie/Fannie to be certain? Go to these two websites FIRST https://www.knowyouroptions.com/loanlookup -OR- https://ww3.freddiemac.com/corporate/ Check back in with all of us for further advice.

If your loan is not owned by Fannie or Freddie then it is simply not HARP eligible and your only options to refinance are with your current servicer, Citigroup.

If your loan is not Fannie, Freddie, FHA, or VA - there is really no REFINANCE option. Your only option is to again attempt something with your current servicer (CitiMortgage). I'm right here in St Paul... There is good news on the horizon. In our local market, average home values have INCREASED 15.1% in the past 7 months.

I would not see an option for you, sorry.