Paid down all my credit cards and finished a loan, and have good income, why am i being denied for a harp refi?

to be eligible for a HARP refi, your loan would need to have been initiated prior to June 2009. If you refinanced 4 months ago, you loan will not qualify.. Assuming you have sufficient equity, you can refinance, you just cannot use HARP to do it.. 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

Would need some more information- Does your loan currently qualify for a HARP loan? Is it serviced by Fannie Mae or Freddie Mac? if so, when did you closeon your current loan?

Cindy ...what does the lender say when you ask for the reason for decline ? if you havent been told - ask this question and let us know when did the loan you are trying to refinance begin?

If your loan is only 4 months old and you are applying for a HARP, then you would not qualify.

As I understand it from your "4 months ago" answer, your current loan closed 4 months ago, correct? If so, you can't qualify for a HARP 2 loan because it needed to be originated before 6/1/09. Was it? If not, you can't get a HARP 2 loan.

Thanks Cindy;If you closed on your current loan 4 months ago, then you would not qualify for a HARP loan. Your loan needed to have closed before June 1st 2009-Why are you looking to refinance now only after 4 months?