Fannie Mae HARP Loans

In November 2012, Fannie Mae published new guidelines for its Home Affordable Refinance Programs (HARP). The HARP program is intended to help those borrowers who are underwater on their mortgage, but have continued to make their payments on time throughout the mortgage meltdown. With the new guidelines published in November, Fannie Mae has made the qualifying process much easier so more people can qualify who may have experienced a decline in their homes value.
The most significant change in the HARP guidelines, is the fact that no matter how far your home is underwater you still may qualify for the program. Prior to the changes, you could only borrow up to 125% of the home’s value. With the new guidelines, there is no limit on how much you can borrow in relation to the home’s value. The guidelines also relaxed the requirements for income qualifications.
To qualify, the loan must currently be a loan held by Fannie Mae or Freddie Mac. To see if your loan is currently held by Fannie Mae go to: To see if your loan is held by Freddie Mac go to:
Please contact us for more information about the HARP loan.
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