Are loan services required to offer HARP 2?

Enter your answer hereWhat are some of the lender names to call for a Harp 2 loan to refinance your home

Fannie HARP 2.0 does not require you to be serviced by the current servicer. A couple of the main guidelines are loan purchase by Fannie, in your case from Jan 1st 2006 to June 1 2009. No late payments within the previous 6 months and only 1 late payment within the previous 12 months. You are not tied to working with IndyMac. For a complete no obligation mortgage consultation feel free to contact me at 877.369.4319. Dan Paladin

Harp 2 applies only to loans owned by Fannie Mae or Freddie Mac and must have been securitized prior to June 1, 2009. Indy Mac, in your case, is simply the servicer of your loan and your HARP 2 DU refi is not required to go through them. So long as you meet the criteria set forth under HARP any mortgage professional in your area should be able to help you. I'd love to help you but I'm only licensed here in SC but I hope this info helps you!

The new HARP 2.0 program is rolling out for most lenders on Monday, March 19. You should call a Lender 411 mortgage professional, They will quickly be able to let you know if you qualify for the HARP 2.0 program. Good luck.

HARP is a program that INSURES Fannie/Freddie mortgages in negative position in case of a default, and the government will never force the hand of the lenders and make them do HARP. If your loan is owned by Fannie and was bought by them prior to June 2009, then you can do a HARP 2.0 loan. Contact a local mortgage broker, not a bank, and certainly not your current lender.. Brokers have access to numerous lenders and can find the right one for your particular scenario.. WilliamAcres.com

Each lender is free to decide whether to offer HARP 2 or not. However, virtually all lenders will to stay compeititve. As long as your loan was sold to FM and you can meet the HARP 2 guidelines, you should be able to refinance with this program. Based upon what you stated, DO NOT GET INTO A LOAN MODIFCATION PROGRAM. It is absolutely unnecessary. 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.

Don't use your current lender. In fact, don't use one of the big banks either. Instead, contact a local Mortgage Banker/Broker. They are better equipped to handle the HARP programs better than the big banks camn. Plus Mortgage Bankers can look at programs from dozens of investors and place you with the best one for your situation. Check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

I agree with Bert contact a local mortgage broker in your area to find out more information about the program. You should be able to find a company that is offering HARP 2.0 with out any additional overlays.