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What is HARP? Harp is basically for homes that are currently financed by Freddie Mac and Fannie Mae. Here are current parameters that need to be addressed to first see if you are eligible. Please keep in mind that this will be out by the third week in March but this will get you started to see if you are eligible.
Here are some key points:
1) First your home must be held by Fannie Me or Freddie Mac before June of 2009 By the way most homes that have home financing are held by Fannie Mae or Freddie Mac. Please look at the links below and click on them and enter your information to see if your home is eligible for refinancing.
2) Make sure there is No Mortgage Lates in the last 6 months and no more than one Mortgage Late in the last 12 months. Keep in mind that if you do have mortgage lates recently the program is good until December 2013. But if you are eligible take advantage of the great rates now
3) Loans are good for owner occupied homes, second homes and investments properties.
4) It doesnt matter how "Underwater" your current loan is. For example you can owe $400,000 and the house can be worth $200,000 as long as you qualify on the above criteria you will be fine.
Below are the links to see if you are eligible call me if you have any difficulties. the engine is usually open 8:00 A.M. to 8:00 P.M Eastern time
Fannie Mae Look Up:
Freddie Mac Look Up:
These links are also on the left hand side of this page at the bottom.
Call me if you have any questions about this new program!
Eric & Matt Gausepohl
Director of Sales/Product Development