Difficulty finding lender to do a HARP refinance with reasonable rate

[Mark Ossman]

I'm having difficulty finding a lender that will do a HARP refinance on an investment property for a reasonable intereste rate (4.5%). Does anyone know of a lender that has experience with the HARP program and can do a HARP loan without passing a bunch of fees onto the borrower? My current lender quoted my over 5.5% and a second lender quoted me 4.5%, which I was happy with, but they are a correspondent lender and are not authorized to manually underwrite loans--Loan Prospector returned a "caution" supposedly due to the high LTV (95%), which I dont' quite understand since this is what the HARP program is for (high LTVs).