Does anyone know exactly how this is determined?
It seems as though when being considered for a HARP refi, they look up your address online say at a site like zillow.com. And whatever it says, is what it says.
But in my experience, they also ask the individual what they feel their home is worth.
So what do they actually go by?
I ask as according to an online site, my home is worth $183,000, which would put me at around 101% LTV.
However, the lender I am wanting to go through told me that if my LTV were at 95%, I could get a better HARP refi deal from them.
I made the mistake I'm guessing of saying my property is worth $185,000. I'm thinking I should have said I thought it's worth more like $195,000. Which would put me around 95% LTV. 
Which in doing so, would get me a better HARP Refi deal.
So what the hell gives?
How do they determine property value for a HARP refi???? 
Thanks