The new Home Affordable Refinance Program (HARP 2) is a government refinance program for california home owners who's mortgage is underwater upside down in value.. harp 2 refinance program Guidelines & Qualifying Criteria.
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As part of the change in guidelines in 2011, HARP program allowed homeowners who have filled for bankruptcy to refinance their mortgages through the program. Scrapping of the requirement has made bankruptcy and foreclosure not an obstacle in accessing the HARP loan program.
Under the original HARP, a first mortgage could not be refinanced if the new loan amount. On the other hand, homeowners whose loans are currently serviced by Wells Fargo may have reason to cheer.
According to the official HARP.gov FAQ: "HARP allows you to refinance even if you owe more than your house is worth. If you refinance under HARP and your new loan is a fixed-rate mortgage, there is no maximum loan-to-value ratio. If you refinance under HARP and your new loan is an adjustable rate mortgage, your LTV may not be above 105%."
Industry insiders estimate 720,000 borrowers can qualify under the new guidelines, which is about 6.5 percent of the estimated 11 million underwater homeowners. Here are five quick questions to help.
New HARP Guidelines: What You Need to Know. If the fixed-rate loan is in the range of 30 to 40 years, the maximum LTV is 105 percent. For adjustable-rate loans, the maximum LTV is also 105 percent with an initial fixed period of five years or more. The new guidelines also allow borrowers to refinance from a 30-year mortgage to a shorter-term loan.
Florida home equity loan Refinancing 2016 If you bought a house with a down payment of less than 20 percent, your lender required you to buy mortgage insurance. The same goes if you refinanced with less than 20 percent equity. consider.
FHFA has confirmed that a new HARP-like program will open up to homeowners starting january 1, 2019. The new program eliminates the requirement that the loan must have been opened on or before May 31, 2009. Instead, the loan note date must be on or after October 1, 2017. This program is designed as a HARP replacement.
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HARP 2.0 Guidelines – After months of celebrating, the new and improved Home Affordable Refinance is being launched nationally. Many lenders are beginning to offer HARP 2 refinances, and they should be available everywhere by the end of 2016.
New Rules of Refinancing Your Home You can cut your payment, but it won’t be easy. By Pat Mertz Esswein , Associate Editor From Kiplinger’s Personal Finance , February 2013