I keep reading about HARP refinancing and get emails saying we are eligible, how do I know if they are legitimate?
We've been in our house 15 yrs, 6.125%, bal-$380,000, value-$400,000, fair credit, empty nesters, husband at job 35 yrs, me about a yr. Can it really happen?
I've even read that it's possible with an average credit score, or worse, underwater mortgages, etc.
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