Back in July I wrote about my experience doing a HARP refi on one of my loans. The loan papers were ready for signing the beginning of September and we didn’t have to make a loan payment until the first of November! I was thrilled as that saved us two months worth of payments. On November 1 we made our first payment under the loan modification and it was $600. less than what we were previously paying. I have had to start over on the second loan as it was discovered during the process the first time that the original loan that was paid off was never recorded. Therefore it looked like I had two loans on the property. So, it took me a month to get that straightened out. But, as a result I had to start all over again with the process! What a pain but hopefully I am almost there.