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Linda Daraskavich RealtorSunday, January 27, 2013. Can you Refinance your Underwater Home? If you purchased your home prior to June 2009 you most likely don’t have equity in your home and no lender will Re Finance your home and lower the interest rate. With the HARP 2 program if you purchased your home prior to June 2009 you may qualifiy for a HARP 2 Refi loan. This means with no appraisal your loan will be refied into a lower interest rate. Is your mortgage owned by Freddie or Fannie. Go to Homeowners and Community then click on.
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