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Dont expect Bank of America to do anything. They lied to my face several times last year and luckily I looked into other options a few weeks ago. Now, I am in the middle of a refinance dropping my 6.5% rate to 4.125%.
HARP 2.0 is coming out in the next couple days, I would strongly suggest finding a couple mortgage brokers and talking with them. The guy I used did all the investigation work for me and didn't require a dime until closing (about $1k less than yours, BTW).
PM me if you'd like his contact info. Straight shooter and nice guy. Not affiliated with him in any way
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1992 968 Polar Silver
2010 Toyota Highlander SE
2006 Lexus LS430 ML
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