I have been trying to refinance since 2007 after World Savings sold my mortgage to Wachovia I have been told I don't make enough money to refinance at the lower interest ( currently paying 6.65% ) . I have been getting the runaround since I filed for the H.A.R.P. program since november 2009 asking for one paper or another and asking for more duplicate forms that they never received even though I faxed and sent certified the same papers more than once. This delay tactic has been going on for 6 months. Finally heard from them today and they said I made to much money to qualify for the H.A.R.P. They did offer to help me short sell my property this is the biggest land grab ever concotted in the world where are are elected officials when we need them sad day for the United States.