Solution for folks whose mortgage is underwater.Underwater meaning you owe more on your home then it's worth. [HARP2] Home Affordable Refinance Program with Fannie Mae or Freddie Mac Mortgages. If you are not sure what type a mortgage you have, just give a call and i will find out for you .The program as of April 2012 will loan up to 150% of the value of your home.Just give me a call at 757 552 7000.Ask for Nelson Shrewsbury.