Quote:
Originally Posted by krystar
i'm wondering if HARP is the right path here. it certainly isn't my fault the property values have slumped. this was my first house and i'm still proud to own it. i take care of it. hell, i've been making extra principal payments. so should i blame myself for trying to reduce my APR and my payments?
it's not like i'm trying to screw the bank or the system. i just want to pay less since the current market APR is lower than when i purchased the house.
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Believe your original product had to be Fannie/Freddie backed for HARP. Since it's your 1st house it possibly is.
And there is nothing wrong with trying to lower your APR. Did not mean to imply that there was. I've refi'd myself and may again.