Got The Mortgage Reduction Offer from Chase

[graylocks]

thanks, dmann. i haven't even looked at refi since i'm underwater by about $20,000 on the first and i've heard it's hard to refi $54,000 anyway. plus i think HARP is only for Fannie/Freddie loans which mine isn't. this offer from Chase for customers in good standing is an effort to show the Feds banks can be nice too.

i'm semi-self-employed and other than the HELOC no CC debt. i have an excellent credit score. still, i doubt there are other refi options out there for me.