Lost home equity? Upside Down / UnderWater home owners..... there is hope!
Find out if you qualify for the new Obama HARP 2.0 Refinanceprogram. Most are saving $250 - $600 a month
or more with this refinance program.
I provide home financing througout ALL California counties and cities. Call or contact me today and save.
As the government continues to purchase mortgage backed securities, rates continue to fall and are near record lows.
Eligible homeowners who are current on their mortgages but have been unable to take advantage of today's lower interest rates because their homes have decreased in value, may now have the opportunity to refinance. Through a refinance under HARP, Fannie Mae and Freddie Mac will allow the refinancing of mortgage loans that they own or that they guaranteed in mortgage backed securities.
*Eligibility, You may be eligible to apply if you meet all of the following:
- Your mortgage MUST be owned or guaranteed by Freddie Mac or Fannie Mae.
- (Fannie Mae lookup link - Freddie Mac lookup link )
The mortgage MUST have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
The mortgage CANNOT have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
The current loan-to-value (LTV) ratio must be greater than 80%.
- The borrower MUST be current on the mortgage at the time of the refinance, with no late payment in the past six months and no more than one late payment in the past 12 months.
- You have a reasonable ability to pay the new mortgage payments.
- The refinance improves the long term affordability or stability of your loan.*
*The objective of a refinance under HARP 2.0 is to provide creditworthy homeowners who have shown a commitment to paying their mortgage the opportunity to get into a new mortgage with better terms.
Homeowners whose mortgage interest rates are much higher than the current market rate should see an immediate reduction in their payments. Homeowners who are paying interest only, who have a low introductory rate that will increase in the future, or who face a balloon payment may not see their current payment go down if they refinance to a fixed rate and payment. These homeowners, however, could save a great deal of money by reducing the amount of interest you pay over the life of the loan.
Refinancing into a more stable fixed-rate loan product and avoiding future mortgage payment increases would likely improve your ability to sustain your mortgage payments over the long-term. When you submit a loan application, your lender will give you a "Good Faith Estimate" and a "Truth in Lending Statement" that includes your new interest rate, mortgage payment, and the amount that you will pay over the life of the loan. Compare this to your current loan terms. If it is not an improvement, a refinancing may not be right for you.
The HARP 2.0 Program may be able to help lower your payments so inquire today!
Question: I am delinquent on my mortgage. Will I qualify for a refinance under HARP?
No. Homeowners who are currently delinquent or have been more than 30 days overdue during the past 12 months generally will not qualify. Contact your servicer to see if a modification under the Home Affordable Modification Program is an option for you.
Question: Will a refinance under HARP reduce the amount that I owe on my loan?
No. The objective of a refinance under HARP is to help homeowners get into more stable or more affordable loans. Refinancing will not reduce the principal amount you owe to the first lien mortgage holder or any other
debt you owe.
GRAB THE HOUSE LIFELINE CALL NOW!
(*The program expires on December 31, 2013. Your refinance under HARP must have a mortgage note date on or before that date.)
HOME VALUE DECLINED IS OK SO REFINANCE NOW! CONTACT US TODAY!
H.A.R.P. 2.0 ( Home Affordable Refinance Program )
Is your home "Underwater" in equity? What do you have to lose? Inquire now to see if you qualify to lower your payment.
Have you checked the links to see if your home does qualify? Is your home a Fannie Mae or Freddie Mac owned loan? If so, your half way there. Are you ready to go forward? There is no major upfront cost or obligation except minimal credit report fee's when your refinance is ready to submit.
You will need a minimum of 620 fico score and have no more than ONE 30 day late in the last 12 months.
If your ready to go forward to see if you qualify, fill in the secure application below.
Do you have a copy of a credit report showing your fico score above 620? If not you will need to order one on the Credit Report page. These charges are for the reports at our cost for all three bureaus. Are you scores below 620, We also offer credit repair for correcting incorrect information reported on your reports which raise your fico scores. Submit an application below or call to find out if you qualify to lower your mortgage payments.
You have nothing to lose so find out today and save.
Fill in this application to the best of your knowledge.
IF THE APPLICATION LINK FEATURE IS NOT WORKING, Please fill in the contact form and we will email it to you. Thanks
Sheryl Arndt, Broker/Loan Officer NMLS# 297251 is providing home loans and Real Estate Associates for: Los Angeles County, Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Brentwood, Burbank, Calabasas, Carson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada-Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, Madera County, Chowchilla, Madera, Marin County, Belvedere, Corte Madera, Fairfax, Larkspur, Mill Valley, Novato, Ross, San Anselmo, San Rafael, Sausalito, Tiburon, Mariposa County, Mendocino County, Fort Bragg, Point Arena, Ukiah, Willits, Merced County, Atwater, Dos Palos, Gustine, Livingston, Los Banos, Merced, Modoc County, Alturas, Mono County, Mammoth Lakes, Monterey County, Carmel, Del Rey Oaks, Gonzales, Greenfield, King City, Marina, Monterey, Pacific Grove, Salinas, Sand City, Seaside, Soledad, Napa County, American Canyon, Calistoga, Napa, St. Helena, Yountville, Nevada County, Grass Valley, Nevada City, Truckee, Orange County, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin , Villa Park, Westminster, Yorba Linda, Placer County, Auburn, Colfax, Lincoln, Loomis, Rocklin, Roseville, Plumas County, Portola, San Bernardino County, Adelanto, Apple Valley, Barstow, Big Bear Lake, Chino, Chino Hills, Colton, Fontana, Grand Terrace, Hesperia, Highland, Loma Linda, Montclair, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, San Bernardino, Twentynine Palms, Upland, Victorville, Yucaipa, Yucca Valley, Riverside County, Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Cathedral City, Coachella, Corona, Desert Hot Springs, Hemet, Indian Wells, Indio, La Quinta, Lake Elsinore, Moreno Valley, Murrieta, Norco, Palm Desert, Palm Springs, Perris, Rancho Mirage, Riverside, San Jacinto, Temecula, Placer County, Auburn, Colfax, Lincoln, Loomis, Rocklin, Roseville, Sacramento County, Folsom, Galt, Isleton, Sacramento, San Benito County, Hollister, San Juan Bautista, San Diego County, Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, Escondido, Imperial Beach, La Mesa, Lemon Grove, National City, Oceanside, Poway. 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