Our mortgage was with Premiere, then Wilshire, then Chase and was just recently sold to Ocwen. We have never missed a payment, have decent credit, and are underwater only about $50K. Ocwen has recently increase our payments due to escrow and that bump up is putting us in the danger zone--$2803 a month is going to be very difficult to manage. Everything I've read about HARP says the loans must be held by Freddie or Fannie. WHY? According to Ocwen, Aurora owns our mortgage. So this means we don't qualify for HARP? What do we do?