If I don't mind saying so, myself.
I have lenders which will do unlimited FNMA and Freddie Mac HARP loans. I have closed a number of these and understand the product quite well. Many loan officers are staying away from these loans, as they are quite complicated, can take longer than they should, and are a short-term, niche product.
A number of loan officers within my company and even other banks have been sending me their HARP deals.
Please go to my LinkedIn site to get an idea of how I treat my clients by reading my recommendation section. LinkedIn: http://www.linkedin.com/in/billparkercpa
The first step is to determine if you quailfy, based on which entity owns your current loan; when you got it (must be pre-June 1, 2009); how much you owe vs. the curent fair market value (determined by Fannie or Freddie); etc.. Then we can determine the best way to proceed.