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I filled chapter 7 a year ago and have a Freddie mac loan- I have tried to get a harp loan from several firms- 2 year waiting?

by rgw1411685 from , Arizona. Oct 10th 2014 Reply


Barb Lanis (BarbLanis)
#72 ranked lender in Illinois - 663 contributions

The Freddie version of HARP, known as Open Access, only requires that 12 months have passed since the discharge of your Chapter 7. Perhaps the lenders you spoke with have what are called overlays. Feel free to contact me via my profile if you would like more information.

Oct 10th 2014
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Chris Adams (cadams)
#108 ranked lender in Arizona - 5 contributions

If your loan is a truly a Harp loan and you have no mortgage lates in the last 12 months give me a call. I work with borrowers down to a 500 Fico on some of our programs. I have been in the business over 13 years and I would be happy to help. Feel free to contact me. Thanks.

Oct 10th 2014
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,960 contributions

Something isn't right... Contact a local, down the street from you mortgage broker. Have them review your situation. Freddie Mac, on a HARP Refinance, only requires your bankruptcy be 1-year old.

Oct 13th 2014
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