New legislation is being proposed to wipe out the date restriction precisely because of cases like yours. I myself, personally, am in a similar position with one of my assets. Play by the rules, do everything right, and we can't rate+term refinance to lower rates too because of our loan origination dates? Ridiculous. All we can do is wait and hope for real change, real soon.. Best wishes from So-Cal and good luck.
Source: http://www.zillow.com/advice-thread/Am-I-completely-excluded-from-being-able-to-use-the-HARP/465103/
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