Quicken Loans Mortgage Complaint

Quicken Loans Mortgage department,

FHA mortgage Application, originator, mortgage broker Florida

Greetings, I 'm writing to ask, What good is the H.A.R.P program, if the banks all turn you down? If the object is to assist people, it sure is a lousy program. I 'm currently paying 7.5 % with payments at $1100.00 a month, yet every bank I ask will not let me refinance due to not enough income??? I currently make about $1300.00 a month income, and have not missed a payment since I took over the loan, yet no one will let me refinance to a lower rate, which will reduce my payments. I would love to be able to afford hamburger helper occasionally, instead of raman noodles and what vegetables I can grow in my garden. Time is running out on the program, I would like a refinance before that happens. I used Quicken Loans only as an example since its the most recent bank I approached, but this is the case with many places I have tried.