can do HARP, HAMP or any mortgage mod?

I seem to have a case that falls through the cracks and I wondered if anyone knew if there is any way to modify / refi my present mortgage , which is 108k at 5.875-either reduction in payment, rate, or principal. I lost my job in the 2008 meltdown and

*our HH income went from 94k to 20k.

*we are current on our mortgage payments

*our LTV of our house is in the 30-40 pct range.

* our mortgage owner is Fannie Mae

we have too much credit card debt to qualify for tradition refi , probably around 80k in CC debt.

You have a lot of equity in your house why would the bank give a principal reduction?

With 80k in cc debt i think you should be asking how to BK and still keep your house since the interest on those cards will eat you alive. A few percent less interest on your mortgage wont make you any better off....

I think you need a credit counseling service more than a mortgage modification. I used one of those services about 15 years ago and it helped.

Because of your high debt/income ratio and low income, you may not be able to find a lender to approve you for a traditional refi. Your best bet is probably to do a HARP refi with your current lender. You probably won't get the very best rate available, but you will get a better rate than what you have now and you will also restretch your loan to 30y which will also serve to lower your monthly payment.

A friend is closing on a HARP streamlined refi on his house next week. He had 24y left on his mortgage with a 5.8% rate, $2350 monthly. His new loan will be 30y @ 4.125%, ~$1900 monthly. He didn't get the very best rate available because he had very little demonstrable income (he gets most of his money under the table) and ~ 100% LTV, so no lender would give him traditional refi. He was limited to doing a HARP refi with his current lender.