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can we get refiance after having a modifaction loan several years ago.

we have been current on our house payment for 2 years by donnabb681 from , Illinois. Jan 26th 2014 Reply


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Jan 26th 2014
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Anthea Emerson (AntheaC2)
#216 ranked lender in Florida - 57 contributions

Yes, you can. Depending on your lender, as long as you did not have a principle reduction on the modification, you should be fine. You can also inquire about the HARP program as well.

Jan 26th 2014
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Linda Wintersteen (Linda123)
#63 ranked lender in Arizona - 1,252 contributions

First , who is your lender?? and where you behind before the loan modification? i use to do loan mods in 2008 and 2009, so i know the ends and outs of them.. you can email at yourloanpartnerforlife@live.com linda

Jan 26th 2014
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Phil Dumouchel (PhilDu)
#1 ranked lender in South Carolina - 2,228 contributions

Donna, from what you describe the modification should not prevent you from refinancing as long as you meet all the other qualifications and requirements.

Jan 26th 2014
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Mark Ary (markar_710_512)
#185 ranked lender in Florida - 3 contributions

You can refinance after the modification has been permanent for 1 year or more.Mark E. Ary, MBASenior Licensed Loan OriginatorNMLS # 499320239-549-1997

Jan 27th 2014
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Barclay Butler (Barclay)
#85 ranked lender in Illinois - 67 contributions

Yes you can. You acn qualify for a FHA, VA, or Conv. loan. Barclay Butler. 224-420-9990.

Jan 27th 2014
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Patty Harrison (PattyHarrison)
#94 ranked lender in Illinois - 64 contributions

Yes, you can. If you would like me to see which programs you qualify for, please give me a call or send me an email.Best regards,Patty HarrisonSmart Mortgage

Jan 27th 2014
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 8,052 contributions

Without knowing all the details of your scenario, no one here can say for sure.. typically, if you had a modification and there was no principal reduction, then yes.. you should be able to refinance, assuming you meet all the other qualifications.. There are other types of refinance programs that might work even if you have had a principal reduction, but you would have to have sufficient equity in your home to qualify.. so without knowing all the details, it's hard to say.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Jan 27th 2014
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Jamie Lynne (nationwidelenderforyou)
#143 ranked lender in Texas - 575 contributions

What type of modification did you have? You might have some options. Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Jamie and I have been in the mortgage business since 1989. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you. Jamie Lynne - www.bartprequalifies.com - email Jamie@bartprequalifies.com - 800 315 8803

Jan 29th 2014
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