I want to refinance my mortgage under the HARP program, but everytime I call Bank of America they tell me I am not qualified, but will not tell me why. In 2009 I applied for a HAMP modification and got the royal run around from Bank of America. I was told at an annual salary of {$75000.00} that I did not make enough money, then I was told I made too much. Finally, I got my congressman 's office in Virginia involved and while I got a modification, it was bank proprietary and turned my conventional mortgage into 40 years. Please help me. If I am not qualified, then please advise the bank to tell me why. Thank you very much. 
