HARP loans do not allow the combining of first and 2nd loans together because that would be considered a cash out loan..
Some lenders allow you to subordinate the 2nd mortgage or HELCO which means to leave it in 2nd position. Some lenders won't allow a 2nd mortgage....
There are a lot of odd rules and nuances to the HARP loan that vary from Bank to bank so, give me a call and I can scope out your scenario and point you in the right direction.
858-805-5347 or firstname.lastname@example.org
or apply on my website https://www.wfhm.com/loans/bryan-horn/apply/mortgage-expect.page