We have lenders that will refinance homes using the HARP 2 program and allow unlimited LTVs. If your current loan was orginated before June 1, 2009, it's possible for you to refinance, but not into a 40-year loan--30 years is the max. Other guidelines need to be met as well. Give me a call 16/7, or email me, and I'll be happy to walk you through the process. To learn more about me and our mortgage brokerage, click on my picture. When the next page pops up, click on "Website" and you will be redirected to ours. We work exclusively in CA and get loans done fast, typically in less than 30 days, at low interest rates and costs. Representing 39 quality lenders that offer more than 1,000 loan programs, we definitely have something for everybody.Mar 27th 2012
Good Evening ca_pea,There is no maximum loan to value cap on the new HARP 2.0 program. Call or email me for a good faith estimate, I would be happy to help you. We are a direct lender and can have the new proposal to you in minutes.Thank you, I appreciate your business.Gilbert RamosMortgage Loan Officer NMLS 286678Mortgage Partners, Inc.43537 Ridge Park Dr.Temecula, Ca 92590(800) 896-5333 Office(951) 551-0215 Directinfo@mpihomeloans.comApply Online www.mpihomeloans.comMar 25th 2012
You say you "Just" bought the home, what does that exactly mean time wise? Reason is, you can not qualify for a HARP loan if you took out the loan after May 31st, 2009. If it was before this date, then you can do the 30 year loan without a LTV cap as per HARP 2.0 BUT most lenders will have overlays that will cap you. I know Wells Fargo is 105%. Look for local broker that hase many options to choose from and see if they have a lender with the LTV cap. Good luck to you.Mar 25th 2012
You would have had to purchase your home or initiated your Fannie Mae Loan prior to May 31, 2009 to qualify for HARP... and you can only go to 30 years. There is no LTV... Contact a local mortgage broker not a bank and apply with them... they have access to numerous lenders and can find the right loan product for your particular scenario.. WilliamAcres.comMar 25th 2012
I just checked with a couple lenders who are offering the HARP 2.0 and the LTV max is 105% with loan terms greater than 30 years < 40 yrs. You need to determine if your loan was originated before May of 2009. Contact my office if you need anything else. www.sandiegoloanpro.com firstname.lastname@example.orgMar 25th 2012
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