Will no one do a manual underwriting on harp refi??

Unfortunately, HARP no longer exists. The program expired on December 31, 2018 and there are no plans to re-start it. What you are trying to do, combine a first and second, was never allowed under HARP. When doing a Rate and Term refinance, Fannie and Freddie currently only allow loans with LTVs (Loan-to-Values) to a maximum of 95% for the First mortgage and up to 100% CLTV on the combination of the two. Here is what you could possibly do. A new Rate and term first mortgage to pay off the existing First mortgage, but you will have to convince the bank that services the second to subordinate their position to the new lender. Manual underwriting is likely a non-starter unless you are looking at a non-QM loan, which comes at a higher rate/cost than true QM Fannie/Freddie loans. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ At NEXA, we've got you covered. We are licensed in all states except MA and NY and we're pending approval in VA. ~ www.ApplyYes.com 480-889-9000.

Sorry, it appears you have no options. The HARP program hasn't existed in years, so I have no idea what the broker is talking about. Even if it did still exist, it NEVER let you combine multiple loans into one. It only allowed the refinance of the existing 1st lien loan. Then, looking at today's current loan options, I am not aware of any program that will allow you 100% financing except for a VA loan. I lend in MN WI IA ND SD. Find me at MNBestRates.com - NMLS 274132