Hi Everyone, Great site!!, first time posting here. We've met all the requirements for a HARP refi thru BOA, so I am wonding if anyone out there has any experience with HARP? We FedEx'd all the required paperwork to BOA about 3 weeks ago, and just called to check on the status. We ended up talking to a person from the HOPE team and they told us its being reviewed. To summerize, We are current on our loan but our payments jumped threw the roof due to an escrow that was setup up by BOA, since we didnt paid our property taxes in time. I also took a 20% paycut which doesnt help. Our current rate is 5.875% with a current mortage balance of $270,000, our home appriases for about the same, so loan to value = ZERO. I just want to roll the back taxes (about $6,500) into a new 30 year fixed and try to get a slightly lower rate (somewhere in the 4's). Are we asking the impossible? Thanks in advance!!!