Green Tree the second lien holder for my home loan continues to be a stumbling block disallowing me the opportunity to take advantage of the HARP program and refinance my primary mortgage at a lower interest rate. I have tried to refinance XXXX times now. I applied this last time in XXXX of 2015 with XXXX, they have requested subordination from Green Tree, who charged a fee. XXXX XXXX paid the fee and have yet to receive the subordination requests despite several phone calls from the loan officer and myself. Today XXXX/XXXX/15 Green Tree informed XXXX XXXX that the request was canceled but could not answer why, yet they cashed the check. This seems unethical and unjust that the second lien holder is prohibiting me from taking advantage of the HARP benefits to include lowering my primary mortgage interest rate. 
