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QUALIFY FOR HARP PROGRAM WITHOUT MORTGAGE BY FANNIE MAE OR FREDDIE MAC HOW TO
QUALIFY FOR HARP PROGRAM WITHOUT MORTGAGE BY FANNIE MAE OR FREDDIE MAC PROFESSIONAL
QUALIFY FOR HARP PROGRAM WITHOUT MORTGAGE BY FANNIE MAE OR FREDDIE MAC DOWNLOAD
QUALIFY FOR HARP PROGRAM WITHOUT MORTGAGE BY FANNIE MAE OR FREDDIE MAC MAC

The refinance must provide a benefit to the borrower, such as a lower rate, payment, or shorter loan term.

QUALIFY FOR HARP PROGRAM WITHOUT MORTGAGE BY FANNIE MAE OR FREDDIE MAC MAC

The loan being refinanced must be owned by Fannie Mae or Freddie Mac.Guidelines for the new program, according to FHFA sources, are as follows. Take note that the program still doesn’t allow homeowners to get a high-LTV refinance if their loan was opened between Jand September 30, 2017. As HARP gets repealed, then, this new high-LTV refinance will take its place. This program is designed as a HARP replacement. Instead, the loan note date must be on or after October 1, 2017. The new program eliminates the requirement that the loan must have been opened on or before May 31, 2009.

*New* HARP-Like Program Starts January 1, 2019įHFA has confirmed that a new HARP-like program will open up to homeowners starting January 1, 2019.

QUALIFY FOR HARP PROGRAM WITHOUT MORTGAGE BY FANNIE MAE OR FREDDIE MAC HOW TO

Learn About Upcoming Changes, and Secrets on How to Qualify.

QUALIFY FOR HARP PROGRAM WITHOUT MORTGAGE BY FANNIE MAE OR FREDDIE MAC DOWNLOAD

Check your eligibility for a HARP-alternative program now.Ĭlick to Download Our Free HARP eBook. The loan program homeowners use depends on who currently owns their mortgage. These two programs are essentially the same for most borrowers. The Freddie Mac version is called the Relief Refinance. The Fannie Mae version is called DU Refi Plus. There are two different versions of HARP.

You can’t use HARP on the same property twice.

(Some lenders may require no late payments at all in the last 12 months.)

No more than one payment that was 30+ days late in the past 12 months.

No 30-day late payments in the last 6 months.

The current loan-to-value must be greater than 80% (your loan amount is 81%+ of the home’s value).

The loan must have closed by May 31, 2009.

The current loan must be owned by Fannie Mae or Freddie Mac.

Click here to check today's HARP-alternative program rates.Ĭurrent 2018 HARP guidelines are as follows. The real estate downturn of 2009 spurred the government to issue new lending guidelines to help people save money each month on their mortgages despite low home values. The Home Affordable Refinance Program, or HARP, has helped over 3 million American homeowners refinance into a lower rate and payment even though they owe more than their home is worth. Updated Home Affordable Refinance Program (HARP 2.0) Guidelines for 2018 In his free time, he enjoys fishing and photography.Check your eligibility for a HARP-alternative program now. Bain and his wife, Mahala, have two sons and a daughter. He also earned certification for dental implants from North Star Dental Education.ĭr. He has completed training in Straight Wire Orthodontics, which are endorsed by the International Association for Orthodontics. Bain is a member of the American Dental Association.

QUALIFY FOR HARP PROGRAM WITHOUT MORTGAGE BY FANNIE MAE OR FREDDIE MAC PROFESSIONAL

Bain is the recipient of numerous awards and honors from professional dental organizations, including the American Academy of Orofacial Pain, the American Association of Endodontists, the American Association of Oral and Maxillofacial Surgeons, and the American College of Prosthodontists. Bain has acquired a tremendous amount of continuing education, enabling him to provide the latest techniques and treatment options to his patients, including dental implants and ClearCorrect™ invisible braces.ĭr. Since graduating with his dental degree, Dr. Previous to this, he earned a Master of Science degree in molecular biology from the University of Nebraska at Kearney and completed his bachelor’s degree in biology from Luther College in Decorah, Iowa. Brian Bain achieved his DDS (Doctor of Dental Surgery) degree from the University of Nebraska Medical Center College of Dentistry.