I have a 30 year fixed owned by Freddie Mac and serviced by Chase. Loan was originated in July 2007, I'm current on the loan, and have a LTV of approximately 100% based on todays market value. I was just told by a Chase representative that my loan doesn't qualify for refinancing under the HASP, and of course couldn't tell me why. Based on my research I don't understand why. Any ideas? Thanks in advance.