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HARP 2016- mortgage.info

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MORTGAGE.INFO
LENDER HOTLINE: 888-581-5008

HARP stands for the Affordable Refinance Program. This program is a federally backed mortgage program that is designed to help homeowners refinance their homes at the new rates of today’s mortgages that are oftentimes much lower than the rates on their original mortgage.

HARP is unique in that borrowers that owe more on their mortgage than their home is worth can now get new low rates in a HARP refinance. This programs is designed to help homeowners get back into financial stability with their mortgages. Most homeowners in the HARP program were able to reduce their monthly mortgage payments with a lower interest rate after the refinance.

HARP loans still exist?
This program was originally created in 2014 and was going to end in 2015 however there was an extension added that extends this program through December 2016. This means that there is only a limited time to take advantage of the HARP refinance. An HARP refinance can be used on shorter term loans to build equity on your home or on longer programs to convert adjustable mortgages into fixed-loan programs.

How do I qualify?
As with any other loan there are some requirement that you must have fulfilled in order to refinance your home with an HARP loan. We have listed the qualifications for eligibility below:
You must be in good standing on your current mortgage – You must have made all payments on time, or have had not late payments made 30 days or more past the pay date in the last 6 months. You must have no more than one late payment made in the in the last 12 months.
Your property must be a primary residence, a 1-unit second home, or a 1-4 unit investment property. Some Condos are eligible.
Your loan must have a closing date of May 31, 2009 or before – You can find out your note date online
Your mortgage must be backed by Freddie Mac or Fannie Mae
You must have an 80% or higher loan-to-value ratio – This can be calculated by dividing the money you owe on your home by the value of your home.
The HARP refinance can be done through a different bank than the bank your originally obtained your mortgage from. Sof if your bank does not offer HARP loan don’t give up there are still lenders out there that can help you refinance your home.

HARP 2.0 refinance information for 2016. Get qualified for the HARP refinance program before it expires at the end of 2016. Free quotes here on Mortgage.info.

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HARP 2016- mortgage.info

  1. 1. HARP MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  2. 2. HARP stands for the Affordable Refinance Program. This program is a federally backed mortgage program that is designed to help homeowners refinance their homes at the new rates of today’s mortgages that are oftentimes much lower than the rates on their original mortgage. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  3. 3. HARP is unique in that borrowers that owe more on their mortgage than their home is worth can now get new low rates in a HARP refinance. This programs is designed to help homeowners get back into financial stability with their mortgages. Most homeowners in the HARP program were able to reduce their monthly mortgage payments with a lower interest rate after the refinance. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  4. 4. HARPloansstillexist? This program was originally created in 2014 and was going to end in 2015 however there was an extension added that extends this program through December 2016. This means that there is only a limited time to take advantage of the HARP refinance. An HARP refinance can be used on shorter term loans to build equity on your home or on longer programs to convert adjustable mortgages into fixed-loan programs. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  5. 5. HowdoIqualify? As with any other loan there are some requirement that you must have fulfilled in order to refinance your home with an HARP loan. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  6. 6. We have listed the qualifications for eligibility below: You must be in good standing on your current mortgage – You must have made all payments on time, or have had not late payments made 30 days or more past the pay date in the last 6 months. You must have no more than one late payment made in the in the last 12 months. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  7. 7. Your property must be a primary residence, a 1-unit second home, or a 1- 4 unit investment property. Some Condos are eligible. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  8. 8. Your loan must have a closing date of May 31, 2009 or before – You can find out your note date online MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  9. 9. Your mortgage must be backed by Freddie Mac or Fannie Mae MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  10. 10. You must have an 80% or higher loan-to-value ratio – This can be calculated by dividing the money you owe on your home by the value of your home. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  11. 11. The HARP refinance can be done through a different bank than the bank your originally obtained your mortgage from. So if your bank does not offer HARP loan don’t give up there are still lenders out there that can help you refinance your home. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  12. 12. HARP 2.0 refinance information for 2016. Get qualified for the HARP refinance program before it expires at the end of 2016. Free quotes here on Mortgage.info. MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  13. 13. T O L E A R N M O R E MORTGAGE.INFO LENDER HOTLINE: 888-581-5008 C L IC K HE R E MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  14. 14. Justin McHood is Americas Mortgage Commentator and has been providing Mortgage commentary for over 10 years. INFORMATIONPROVIDEDBY: JustinMcHood MORTGAGE.INFO MORTGAGE.INFO LENDER HOTLINE: 888-581-5008
  15. 15. LEARNMOREABOUTMORTGAGE.INFO: MORTGAGE.INFO FACEBOOK.COM/WWW.MORTGAGE.INFO _MORTGAGEINFO PINTEREST.COM/MORTGAGE_INFO LENDERHOTLINE:888-581-5008 MORTGAGE.INFO LENDER HOTLINE: 888-581-5008

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