What is the hype about Harp 2.0? Looks like this new program is taking off with homeowners able to refi with 0 equity. Doesn't matter how much you owe, if your loan is owned by Fannie or Freddie you maybe able to refi and stay in your home. Please watch the video, then contact my lender at 707-456-REFI or http://www.707456refi.com so she can help you. If you don't qualify for HARP, we can look at a short sale.