HARP REFINANCE PROGRAMS

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HARP Refinance Programs With today's housing environment and special HARP programs that are now available, now may be the perfect time to refinance your current HARP eligible mortgage loan. The process is SAFE and SIMPLE.

HARP Refinance Programs - In response to the Federal Housing Finance Agency’s (FHFA’s) announcement regarding enhancements to the Home Affordable Refinance Program, we are pleased to introduce these new programs.

Unlimited LTVs for the Home Affordable Refinance Program (HARP) will be available for the Freddie Mac Relief Refinance MortgageSM and the Fannie Mae DU Refi PlusTM programs.

Primary Residence, Second Homes and Investment Properties

The new loan must have a benefit to the borrower.

Only loans owned or guaranteed by Fannie Mae and Freddie Mac are eligible. Underwater borrowers who have FHA, VA or other types of mortgages are not. Both companies' websites — http://www.fanniemae.com and http://www.freddiemac.com — offer "look up" features that tell you whether they own your loan.

Your mortgage must have been purchased or securitized by either company no later than May 31, 2009, and must have an LTV ratio in excess of 80%.

You must be current on your loan with no 30-day late payments during the six months preceding application and no more than one late payment during the last 12 months

HARP REFINANCE QUESTIONS CALL TODAY 888.420.7895

FannieMae DU Refi Plus?
DU Refi Plus™ is a refinance of an existing Fannie Mae loan that is re-sold to Fannie Mae.. FannieMae provides underwriting flexibilities and documentation efficiencies to eligible loans. The refinance should result in a reduced mortgage payment and/or reduced interest rate. Loans delivered to Fannie Mae on or before May 31, 2009 are eligible. They loan to value is not restricted for this program.
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Freddie Mac Relief Refinance Mortgage SM.
The Freddie Mac Relief Refinance Mortgage SM is a refinance of an existing Freddie Mac loan by the current servicer of the mortgage. The new loan is sold to Freddie Mac. This program relies on information from the original loan file and may permit streamlined documentation flexibility. The program benefits a borrower who has demonstrated an acceptable payment history on their mortgage and needs an expanded LTV or potential relief from Mortgage Insurance requirements..This program is for loans delivered to Freddie Mac before May 31, 2009
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DU Refi Plus may only include:
• Paying off the outstanding balance of the existing first mortgage, including any
prepayment penalty.
• Financing of closing costs, including pre-paid items and points.
• The borrower may not receive any cash back at closing. Any excess cash representing the difference between the estimated and the actual payoff of the original loan plus closing costs and prepaid fees must be applied as a principal curtailment to the new mortgage (or a reduction in the actual loan amount).

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We are very attentive to our clients, simply Inquire Online and provide the minimum information required, we will then do a little research and send you an approval application, rate and terms available, we will pre verify if your current loan is owned by FannieMae or FreddieMac prior to emailing you our full application.

Apply Online