Because you answered "no" to this question, it may not be possible for you to refinance through HARP. However, we recommend you check to see if your loan is owned by Fannie Mae. If so, you may be eligible for HARP under their implementation.
Remember, HARP is just one of several refinancing options offered in the market. We encourage you to contact your lender and explore other refinancing options based on your specific needs. If you are having difficulty paying your mortgage, reach out for help today.