I'm not sure if this has been asked, but I was thinking of going for a HARP 2.0 refi. Backstory: I got a loan modification through NACA a couple of years ago and my servicer currently is Seterus. In the loan mod, I got a principal forebearance of $149K with me paying the $209K of that loan. I was told if I ever sold or refi the forebearance will be added to the loan. My house has been fluctuating but currently Zillow says my house is worth $108K. Would this be possible to refi through HARP 2.0? If not, I can wait awhile. BTW, my credit score is near 700.