7c6f3cb4_Options_Compared_and_Explained__Less_suited_for
[Mortgage type] HARP Refinance [Best suited for] Underwater borrowers or those with less than 20 percent home equity; those seeking to refinance at a lower interest rate; borrowers with an ARM or upcoming balloon payment who wish to convert to a fixed-rate loan. [Less suited for] 
Borrowers with non-Fannie Mae or Freddie Mac mortgages; those with at least 20 percent home equity; those seeking an ARM or cash-out refinance.
Mortgage Types - Mortgage Options Compared and Explained
Less suited for