In order to be eligible for HARP, there are a few things you should look for:
*Is the loan owned by Fannie Mae or Freddie Mac?
*Was the loan being refinanced originated prior to June 1, 2009?
*Is the loan-to-value in excess of 80%? (If it's underwater then it is by definition.)
If you're on track with these three and need more information, please let me know and I'm happy to assist.