Harp refi with chargeoff on credit report ?

To be sure we are talking the same language here, you said repo. If the unit was in a park where you are renting the space, or on a lot but had never been re-titled as real estate, Think of it as a big "travel trailer", then that would be a repo. About the only way you might make a HARP refi happen is if you have made arrangements with the lender that repo'd the Manufactured Home to re-pay the deficiency. The credit report would have to show repo, the loan would have to be classified as a consumer loan, and if you have made at least 12 payments on the written payment plan, it is likely an underwriter would not hold that against you. The key here is what type of loan it is and how does it really show. The biggest challenge you will have is getting the lender to agree to a workout plan on the deficiency. Good luck. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

How much is the charge off and what was the date of the charge off? This will help.

Same problem here ... The only blemish on my credit is from a foreclosure that occurred in 2008. My wife and I made an ill-advised real estate investment in a condo in downtown San Diego back in 2006. We were then advised to stop making payments and to attempt to do a short sale, which we did. We had a buyer qualified and ready to go. Unfortunately for us, Chase Bank (the 1st lien holder) and National City Bank (the 2nd lien holder) could not agree to terms and the place fell into foreclosure. We were advised that everything would be OK with our credit after three years. I was beyond mad to find the charge off on my credit report when I tried to refinance under HARP 2.0. My wife and I have very good credit (734), have secure jobs, and earn a lot of money. We have never been late on the mortgages for our primary residence and have minimal short term debt. We have lived in our house for 15 years and intend to keep it for the long term.If we could refinance the first on our home, which is currently at 6.0% 30 yr fixed, into a 3.75% 30 yr fixed, we could save $741 per month! We accept the fact that we made a horrible mistake back in 2006 with the condo. But, why should we suffer now? In retrospect, we would have been better off to "tank" everything and declare bankruptcy back in 2008. At least now, we would be on very good footing!THIS HAS BEEN THE MOST FRUSTRATING EXPERIENCE OF MY LIFE! I HATE THE BANKING INDUSTRY AND WILL REMAIN LOYAL TO LOCAL CREDIT UNIONS FOR THE REST OF MY LIFE.I hate to be negative ... BUT THOSE OF US WHO HAVE CHARGE OFFS ARE SCREWED FOR SEVEN YEARS OF HELL!

You will not qualify with anyone right now. They will look at the charge off as a foreclosure. So you will probably have to wait for at least 3-5 years from the charge off date to be able to do anything.